WHAT IS CREDIT?
Credit allows you to borrow money or access goods and services with the agreement that you will pay for them later, often with interest. It’s commonly used for purchases like homes, vehicles, and everyday expenses. When used responsibly, credit can be a helpful financial tool, but mismanagement can lead to long-term financial challenges.
WHAT IS CREDIT REPAIR?
Credit repair is a service that helps consumers identify and dispute items on their credit reports that may be inaccurate, outdated, incomplete, or unverifiable. Under the Credit Repair Organizations Act (CROA), credit repair companies must follow strict guidelines and cannot promise to remove accurate, verifiable information. Any company that guarantees the removal of all negative items—regardless of accuracy—is not operating within the law.
WILL CHECKING MY CREDIT REPORT HURT MY SCORE?
No. Checking your own credit report results in a “soft inquiry,” which does not affect your credit score. You can review your credit through approved sources or third-party services without any negative impact.
HOW CAN I GET A FREE COPY OF MY CREDIT REPORT?
You are entitled to a free credit report from each of the major credit bureaus every 12 months through the official, government-authorized website: AnnualCreditReport.com. Reviewing your report regularly is an important step in maintaining your credit health.
WHAT IS CONSIDERED A GOOD CREDIT SCORE?
Credit scores typically range from 300 to 850. A score of 670 or higher is generally considered “good,” though higher scores may offer better lending opportunities and interest rates.
WHAT IS CONSIDERED A POOR CREDIT SCORE?
Scores below 670 are often considered fair or poor, which may make it more difficult to qualify for credit or result in higher interest rates.
WHAT FACTORS CAN NEGATIVELY IMPACT MY CREDIT?
Several behaviors can lower your credit score, including:
- Missing or late payments
- High credit card balances
- Applying for multiple credit accounts in a short period
- Bankruptcies or foreclosures
- Ignoring potential errors or negative items on your report
HOW DO YOU HELP IMPROVE MY CREDIT?
We review your credit reports to identify items that may be inaccurate, incomplete, outdated, or unverifiable. When appropriate, we assist in disputing those items with the credit bureaus in accordance with applicable laws. We also provide education and guidance to help you build and maintain a stronger credit profile over time.
HOW MUCH CAN MY CREDIT SCORE IMPROVE?
Results vary based on each individual’s credit history and situation. Because no two credit profiles are the same, improvements cannot be guaranteed. However, addressing inaccuracies and adopting positive credit habits can contribute to long-term credit improvement.
WILL PAYING OFF MY DEBTS IMPROVE MY CREDIT SCORE?
Paying down active accounts can positively impact your credit by reducing balances and demonstrating responsible use. However, paying off accounts in collections or charge-offs will not remove the negative history from your report. Even so, a paid account is generally viewed more favorably than one with an outstanding balance.
HOW LONG DO NEGATIVE ITEMS STAY ON MY CREDIT REPORT?
Most negative items, such as late payments or collections, can remain on your credit report for up to 7 years. Certain items, like bankruptcies, may remain longer. Accurate and verifiable information cannot be removed before its reporting period expires.
CAN YOU GUARANTEE RESULTS OR SPECIFIC SCORE INCREASES?
No. Under CROA regulations, credit repair companies cannot guarantee specific results or score increases. Outcomes depend on many factors unique to each individual’s credit profile.
WHAT DOES “ZERO ADVANCED-PAY” CREDIT REPAIR MEAN?
It means we do not charge for credit repair services before work is performed. In compliance with federal law, payment is only collected after services have been provided.
IS THERE ANY UPFRONT COST TO GET STARTED?
No payment is required upfront to begin onboarding.
Onboarding includes identity verification, compliance screening, client profile setup, document collection, credit report access, and dispute system preparation.
The one-time $50 onboarding fee is only charged after onboarding has been completed. Payment must be received before any service plan can begin.
HOW DO I CHOOSE THE RIGHT SERVICE PLAN?
We offer three service options:
- New Beginnings Plan: Disputes 1–5 accounts at a time
- Accelerated Plan: Disputes up to 10 accounts at a time
- Hard Inquiry Plan: Focuses on disputing unlimited hard inquiries
Plan selection is based on your needs. If you want to address 1–5 accounts, the New Beginnings Plan is appropriate. If you have 6–10 accounts, the Accelerated Plan is recommended. The Hard Inquiry Plan can be used for disputing inquiries and may be selected as a standalone service or added to another plan.
WHAT IF I HAVE MORE THAN 10 ACCOUNTS?
If you have more than 10 accounts, the Accelerated Plan is recommended. The New Beginnings Plan may also be used if you prefer a slower, more phased approach. Accounts may be addressed in stages as items are updated or resolved.
WHAT DOES “DISPUTING” MEAN?
Disputing involves challenging items on your credit report that may be inaccurate, incomplete, outdated, or unverifiable with the credit bureaus, which are required to investigate. Disputes are sent to the appropriate three main bureaus: Experian, Equifax, and TransUnion.
HOW OFTEN ARE DISPUTES SENT?
Disputes are sent on a consistent 30-day cycle. This allows time for the credit bureaus to begin and process investigations while maintaining a steady and ongoing flow of new challenges being submitted.
DO I NEED TO PARTICIPATE IN THE PROCESS?
Yes. Participation includes providing requested documentation, maintaining credit monitoring, forwarding bureau communications, and staying active and responsive in the client portal when needed.
HOW DO PAYMENTS WORK?
Payments are made monthly after services are performed. You are not required to pay for the full program in advance.
WHAT IS YOUR CANCELLATION POLICY?
While each service plan is designed to run for up to 6 months to allow time for multiple dispute cycles and responses from the credit bureaus, you may cancel at any time with no cancellation fees. You will only be responsible for payment for services that have already been performed up to the date of cancellation.
HOW LONG WILL IT TAKE TO SEE RESULTS?
Timelines vary depending on your credit profile and the number of items being addressed. Some clients may see updates within the first few months, but results are not guaranteed.
WILL MY CREDIT SCORE INCREASE?
Outcomes depend on many factors unique to each individual’s credit profile. While addressing inaccurate items may help, specific results or increases cannot be guaranteed under CROA regulations.
CAN YOU REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT?
Accurate and verifiable information cannot be removed under federal law. We only assist with disputing items that may not meet reporting standards.
Outcomes also depend on many factors unique to each individual’s credit profile. While addressing inaccurate items may help, specific results cannot be guaranteed under CROA regulations.
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