Frequently Asked Questions

Everything You Need to Know

When it comes to your credit, it’s important to understand everything you read. We’ve compiled a comprehensive list of frequently asked questions to help make everything easier, but let us know if you have any additional inquiries.

What is credit repair?

Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable. Any credit repair agency that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).

How does bad credit affect me?

  • New credit being difficult, if not impossible, to be approved for

  • Higher interest rates and deposits if you are approved for credit

  • Higher deposits on car rentals

  • Higher auto insurance premiums

  • Difficulty qualifying for a house or apartment rental

  • Difficulty qualifying for a job in which a credit check is required

Where can I find my credit reports?

You are able to use annualcreditreport.com and receive your reports for free at all 3 credit bureaus. You can also sign up for credit monitoring and keep an eye on your scores and your reports.

How long does it take to repair my credit?

If you have errors on your credit reports that can be successfully disputed, you could see improvement in your credit in under 6 months. To the other extreme, if you have a lot of negative listings that are not in error and a lot of debt to pay off, credit repair could take a while. In other words, It varies from person to person based on their individual situation.

How can I improve my credit score?

  • Pay bills on time

  • Make frequent payments

  • Ask for higher credit limits