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FAQs
What is credit repair and how does it work?
Credit repair is the process of improving your creditworthiness by identifying and disputing inaccurate or unverifiable information on your credit report. Our team works with credit bureaus and creditors to challenge these items on your behalf, helping to enhance your credit score. We also come up with a personalized action plan to help guide you in making credit conscious decisions.
Why do I need credit repair?
A good credit score is crucial for obtaining favorable terms on loans, credit cards, mortgages, and more. If your credit report contains errors or negative information, it can lower your credit score and hinder your financial opportunities. Credit repair helps rectify inaccuracies and improve your credit profile.
How long does credit repair take to show results?
The duration of credit repair varies based on the complexity of your credit situation. It can take a few months to start seeing improvements, but significant changes may take several months. Our experienced team works diligently to ensure timely and effective results. We provide an estimated time frame when we conduct your Credit Analysis and Action Plan. It is important to understand that there are many factors at play and no one can tell you exactly how long it will take to reach a specific marker
Can I repair my credit on my own?
Yes, you can attempt to repair your credit on your own. However, it can be a complex and time-consuming process, and professional assistance can often lead to more efficient and effective results. Our team has the expertise and experience to navigate the credit repair process on your behalf.
Are there guarantees of success with credit repair?
While we cannot guarantee specific outcomes, we are committed to doing everything within our legal and ethical means to improve your credit profile. Our success is measured by the progress we make in disputing inaccurate items and working towards enhancing your credit score.
Is credit repair legal and ethical?
Yes, credit repair is legal and ethical. The Fair Credit Reporting Act (FCRA) allows consumers to dispute inaccurate information on their credit reports. We follow all applicable laws and regulations to ensure compliance and uphold ethical standards throughout the credit repair process.
How much does your program cost?
Our pricing varies based on the complexity of your credit situation and the services needed. We offer transparent pricing and will discuss the cost during your free consultation. Rest assured, we strive to provide competitive and fair pricing for our services. The Credit Analysis and Action Plan we provide is free and there is no obligation to enroll.
What information do I need to provide for credit repair?
To initiate the credit repair process, we’ll need a copy of your credit report in order to determine that we are a good fit. Our team will guide you through the necessary steps and paperwork to get started.
Can you remove bankruptcies, late payments, or collections from my credit report?
We aim to challenge any inaccurate, outdated, or unverifiable negative information on your credit report, including bankruptcies, late payments, or collections. However, the results can vary based on the specific circumstances of each case.
How will credit repair benefit me in the long run?
Improving your credit through our services can lead to better interest rates, increased approval odds for loans and credit cards, higher credit limits, and overall financial stability. A strong credit profile can significantly impact your financial future and provide peace of mind.
How can I receive a copy of my credit report?
Our team is partnered with Smart Credit to provide our clients with free credit monitoring, money management tools and fraud insurance while enrolled.
If you are not a client yet, please feel free to use our sponsored link for access to a 3 Bureau Credit Report for $1.99: