Prior to enrolling with our company, we want to make sure that all of your questions have been answered. So we've taken some of the most commonly asked questions and have posted them right here on our website for you. Simply click on the question below to expand it and view the answer. If, however, you have a question that is not listed or clearly explained here, please do not hesitate to contact us. We are more than happy to answer all of your questions! etc.
The formula used to calculate your credit score includes information based on several factors:
Probably not. Still, it’s better to have fewer negative items on your report. To see the real score improvement, however, you’ll have to wait until the negative items are all gone or have aged off.
No, all information reported by the credit bureaus are subject to the same laws and criteria. We may challenge on your behalf any items you request and the credit bureaus must investigate these items.
Absolutely. The Fair Credit Reporting Act allows anyone to dispute inaccurate items on their credit reports. There's nothing we do that you cannot do yourself when it comes to fixing your credit situation. Individuals can restore their credit on their own but this can take time and a lot of knowledge when it comes to the credit laws. That's why we are here to help since we have the experience and knowledge to get you the positive results.
It is estimated that as many as 80% of credit files have errors. If your credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:
Although no guarantees can be made, on average, our clients typically start seeing results within the first 30 days or less. However, you should note that the FCRA allows the credit bureaus 30 to 45 days to investigate disputes, depending on how you obtained your credit report. This is why we recommend our clients to "buy" their credit reports versus getting them for free through www.annualcreditreport.com