Frequently Asked Questions

The steps you take to improve your credit

Here’s some frequently asked questions
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Well, it depends. However, you may not be able to fix or repair your credit in a few short weeks, but there are steps you can take right away that will help get it back on track.

The length of time this process takes depends largely upon how serious the issue with regards to your finances has been and what impact they had; however, if committed properly, average restoration should only require months -not years-of commitment.

Just remember, it's a marathon not a sprint!
FICO Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).
To some extent, credit repair companies can remove bankruptcies from your credit report. Remember, these firms are highly experienced and have all the resources to challenge negative items visible on your credit reports. Some credit repair companies specialize in removing bankruptcy filings and getting them deleted from your credit report.
Yes. I mean, there is no clear answer to whether credit repair companies remove late payments from your report. Generally speaking, they cannot delete late payments from your credit reports, especially if that payment was reported to three main credit bureaus.
Yes, you can remove a car repo from your credit. Using “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Typically you can remove it in two ways. The first is to file a dispute with the credit bureaus, while the second way is to negotiate the matter with the creditor directly.
A repossession takes seven years to come off your credit report. However, keep in mind that this seven-year period begins from the first missed payment date.
When you enroll in credit repair, you’ll get expert credit repair services without the outrageous price tag! It takes less than 60 seconds for you to start improving your credit with personalized disputes, 24/7 online portal, live customer support, credit building guidance, and much more!
Yes, you can get your medical bills off from the credit report by filing a dispute with the three credit bureaus.

Starting July 1, 2022, medical debt that’s been paid will no longer be included on credit reports from Equifax, Experian and TransUnion—even if it’s been on your report for several years. In addition, the three credit bureaus are increasing the amount of time before medical debt in collections appears on your credit reports. That cushion is now six months but will be extended to one year.
Yes, medical bills can damage and impact your credit even when you are planning to purchase a new home. Remember, outstanding medical bills can affect your credit score as well as damage your credit report.

Beginning in the first half of 2023, the three consumer credit reporting agencies will no longer include medical debt in collections under $500 on credit reports.
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