Credit Score Helpers

What is a credit report?

A credit report is a track record of both your personal and financial credit information. This includes information taken from public records, personal identification and debt information.

How many credit bureaus are there?

There are 3 major credit bureaus: Equifax, TransUnion, and Experian.

Although by law we cannot guarantee an outcome, we promise to work diligently to improve your credit score by giving you all the tools, guidance, and resources to help you achieve your goals. If we don't, we will evaluate your file and either extend free service to you for a limited time or give you a refund of all monies paid except the set-up fee, provided that you have at least four inaccurate items on your credit report and that you have not used another credit repair agency in the last twelve months.

How will I know the status of my credit?

We will send you a weekly progress report detailing the items pending/deleted. Click above to see Sample Client Portal.

How do you get a copy of my credit report?

We, by law, are unable to order a copy of your credit report. Since we can not pull your credit for you, we ask you to sign up for a trial membership with www.ScoresMonthly.com. We will then be able to import all the details of your report into our secure personal computer system.

Does paying off my bills repair my credit?

Unfortunately, the credit reporting system just doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won't get much further by paying the old debt. We can recommend a debt negotiation service to help you in that situation...simply ask your representative.

Who can see my credit reports?

Our credit service specialists are the only ones who will see your credit reports.

How do you restore bad credit?

Once we have your credit reports, we then dispute the questionable items to the credit reporting agencies, and creditors/lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time is removed.

Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it's actually not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another. Making it a very time consuming and frustrating task.

After we dispute your negative credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you'll send us the updated version of your credit report, so we can continue disputing the remaining negative items.

Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative item is removed.

How long does it take to repair my credit?

Every client is different, but generally you can expect to start seeing some progress in 3 months, and a significant improvement in 6 months. Credit repair is a process and although we work quickly to repair your credit we can only move at the credit reporting agencies, court houses, and creditors' pace.

FAQ's