FAQ
Frequently Asked Questions
Explore the answers to common questions about our credit and lending services.
How Long Will it Take to Raise My Score?
Every client case is different, so one client may see a drastic increase faster than others, while some may have to wait longer. As long as you listen to the advice that our team gives you and act on it, you should see an increase within the first 35 days. Please note that credit restoration is not an overnight process.
What Credit Monitoring Should I Use?
Our required credit monitoring service for any credit counseling services is IdentityIQ. If you don't have it, please sign up for IdentityIQ: Click Here
Is Disputing Items on My Credit Report Legal?
Yes, we help you use the law to your advantage. This law is called the Fair Credit Reporting Act (FCRA). The FCRA gives you the right to dispute any item on your credit report. If an 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, which means nearly 8 out of 10 reports have errors. Therefore, most credit reports improve immediately. For items that are disputed and are not errors, creditors or credit bureaus often cannot find the records or signed documents within the allotted time, resulting in the item being removed. Sometimes, the credit bureau will claim an item has been verified but fail to offer proof. It is our job to prepare documents challenging this, and we are highly skilled at that.
What makes your credit consulting services different?
Unlike other credit repair companies that only want your money, we genuinely want to help and put our clients in a position to succeed. Especially since our communities weren't taught about credit. Not only do we help with your credit, but we also provide additional perks for our clients, such as access to a wide network of credit unions.
What are tradelines?
Acquiring tradelines can boost your credit score by demonstrating responsible credit management and diversifying your credit profile. This can lead to lower interest rates on loans, easier approval for credit applications, and overall financial credibility with lenders. Additionally, tradelines can help lower your credit utilization ratio by increasing your available credit limit, and they contribute positively to your credit age, showing a longer history of responsible credit use.
Please note: to not have your credit report frozen, if frozen you will not be refunded!