What is credit repair?
Credit Repair Definition: the process of disputing inaccurate information on your credit report with a credit bureau.
You can use credit repair to improve your credit score, if credit reporting errors are the problem.
You can also obtain a free annual credit report but these credit monitoring services are free and they provide a free credit score too! #winning
What should I know about Credit Repair?
Here is a quick video explaining what credit repair is and how you can use it!
Do I need credit repair?
If you have a low credit score and want to improve it then credit repair can likely help you reach your goal.
How Fast is credit repair?
It should take 3 months, but if your problem is complicated it will take longer, or you may have file a FCRA lawsuit.
How much does it cost?
It depends! We do flat rate pricing with affordable payment options starting at $100/mo.
How much will my credit improve?
It depends! Our goal is to get you the highest score possible which is possible through credit repair, credit counseling and debt settlement. Our goal is to get our clients to 640+ FICO
What is a good Credit Score?
Here is our handy credit score chart - it gives you a credit score range to shoot for when trying to improve your credit.
Want to know more about credit?
Hard Pull vs. Soft Pull
What is the difference? A hard pull happens when you apply for credit - this is only bad when you apply for credit too often. Watch to find out more!
How do I get great credit?
There are so many ways to improve your credit score: credit cards, paying them down, paying everything on time, and so much more!
FAKO v. FICO
Ever wonder why your credit scores vary? You receive free credit scores from credit cards, credit monitoring and more, but when you apply for something your credit is lower. This video explains why.
Tell us what is happening.
We could talk about credit forever, but here is one last tidbit of info.
Top 4 Most Common Credit Reporting Errors
Personal Information Errors: Sometimes your name, social security number, date of birth and address are reported incorrectly and need it needs to be fixed.
Late Payments: "Late" for credit reporting purposes is 30+ days late.
Collection & Charge Off Accounts: Unless you paid the account or have reason to believe the debt is reported in error, you probably need Debt Relief.
- Rolling Late Payments: When one late becomes multiple payments - especially with a loan modification.
- Mortgage Deficiency Balances: If you lost your home to short sale or foreclosure, and a balance is still reported - before you pay make sure you owe it.
- Zombie Foreclosures: If you filed bankruptcy but the bank didn't foreclose on the house for years or still hasn't - then you have options.