What is credit repair, and how does it work? Credit repair is the process of improving your credit score by removing negative information from your credit report or disputing errors that may be present. Credit repair companies typically work with credit bureaus and creditors to address negative items, such as late payments, charge-offs, and collections.

1. Can credit repair companies guarantee that they will improve my credit score? No, credit repair companies cannot guarantee specific results. However, reputable credit repair companies will work to improve your credit score by removing negative items and disputing errors on your credit report. We guarantee we will continue to process deletions until they’re gone.

2. How long does it take to repair my credit? The time it takes to repair your credit will depend on the severity of your credit issues and the strategies used by your credit repair company. It can take anywhere from two weeks to 3-4 months to see complete deletions of your negative credit accounts.

3. What are the things that credit repair companies can do to help me fix my credit? Credit repair companies can help you by identifying errors on your credit report, disputing inaccurate information with credit bureaus and creditors, negotiating with creditors to remove negative items, and providing advice on how to improve your credit score.

4. What are the most common mistakes people make that damage their credit scores? The most common mistakes that people make that damage their credit scores include making late payments, having high credit card balances, applying for too much credit, and having too many credit inquiries.

5. How can I improve my credit score on my own? You can improve your credit score by paying your bills on time, keeping your credit card balances low, only applying for credit when necessary, and checking your credit report for errors.

6. Will paying off my debts improve my credit score? Yes, paying off your debts can improve your credit score by reducing your overall debt-to-income ratio and showing lenders that you are responsible with your finances. But paying off collection accounts may hurt you; after they’re paid, they’re verified as a paid collection. We can help with this before or after any payment.

7. Can I remove negative information from my credit report, and if so, how? You may be able to remove negative information from your credit report by disputing inaccuracies with credit bureaus and creditors, negotiating with creditors to remove negative items, or waiting for negative items to fall off your credit report over time.

8. Can I dispute errors on my credit report myself? Yes, you can dispute errors on your credit report yourself by submitting a dispute letter to the credit bureau that issued the report, however, if you dispute incorrectly, the negative items will be verified as valid and be stuck or frozen. The risk of permanent damage is too high for DIY credit repair.

9. How much does credit repair cost, and are there any hidden fees? The cost of credit repair varies depending on the company and the services provided. Reputable credit repair companies will be transparent about their fees and should not have hidden costs. We quote all files up front based on the amount of work required and we guarantee results. We won’t stop until the items committed to erase are completely gone.

10. Is credit repair legal? Yes, credit repair is legal as long as companies follow federal and state laws governing credit repair practices.

11. Will credit repair affect my ability to get credit in the future? Credit repair should not affect your ability to get credit in the future. In fact, improving your credit score can make it easier to get approved for credit and may result in better interest rates and terms.

12. How do I know if a credit repair company is legitimate? Legitimate credit repair companies will be transparent about their services and fees, will not make unrealistic promises, and will have a good reputation with the Better Business Bureau and other consumer organizations. You should understand who the principals of the company are and Googling them to find credibility is critically important.

13. Can credit repair help me get a mortgage or a car loan? Improving your credit score through credit repair can help you get approved for a mortgage or car loan and may result in better interest rates and terms.

14. How often should I check my credit report? You should check your credit report at least once a month to ensure that the information is accurate and up-to-date. You can obtain a free copy of your credit report from each of the three major credit bureaus once a year.