FAQ
How many credit bureaus are there?
There are 3 major credit bureaus: Equifax, TransUnion, and Experian.
How will I know the status of my credit?
You have a private dashboard to view the status and progress of your credit.
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 wont 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 long does it take to repair my credit?
The duration of the credit repair process depends on the number of issues you want to dispute, the responsiveness of the bureaus, and the type of rebuilding effort you require.
How can negative items be removed?
The Fair Act Credit Act and the FACA gives the consumer the right to ask the Credit Bureaus to prove their reports, regardless of being accurate or not. Disputing your credit report is your right according to the Fair Credit Reporting Act and FACT act. Credit repair is a completely legal and necessary service. We hold the credit reporting agencies accountable. Simple as that. Whether the Bureaus decide to investigate, is their issue, the law states that they have to remove the items if they can not prove it. The Credit Bureaus admit that errors occur on consumer reports, but they do little to correct them, instead they rely on a pro-active consumer to dispute these errors. You can dispute these negative items on your own, or you can choose to hire someone to do the disputing for you.
