Have Questions About Our Credit Repair Services? Find Answers To Most of Your Questions Here!
It typically takes 60-90 days to remove items from your credit report. When we initiate the process, they have time to respond. This is why it is not instant. If we do not hear from them after 3 weeks of submitting your file, we start the process again. Keep in mind that by law, they must respond within 30 days.
If the credit bureaus have not contacted you and it’s been more than 30 days please send us an email letting us know. Due to COVID-19 response time may be slower, but we will follow up and demand a response immediately. This is in compliance with Federal Law.
Yes we remove items from all 3 bureaus, but we charge you only per account not per bureau.
It depends on each client and how many incorrect items on their report need to be disputed. On average, our clients complete their program within six months, if not sooner.
This is a huge issue with all of the bureaus. They report incorrect information all the time. They do not fact check before reporting and there are laws to protect you against that. That’s where we come in. We get those items off and help restore your credit.
We only dispute items we know we can remove or update
We can remove collection accounts, repos, foreclosures, credit cards, loans, charged-off debts, lines of credit, medical bills, child support, liens, judgements, and we can also take off credit inquiries.
Yes we can!
We cannot delete individual late payments if delinquencies are valid however we can if they are inaccurate.
If the account is something a client needs/wants removed, we can delete the entire account.
If items do belong to you, we can still remove them. The credit bureaus and creditors have the burden of proof, not you!
Tradelines are credit cards or loans that report to our credit report. Tradelines that belong to you directly boost your credit score.
Although ranges vary depending on the credit scoring model, generally the rule of thumb is:
740-850 is excellent
680 – 739 is good
620 – 679 is fair
580 – 619 is poor
Below 580 is bad
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