FAQ
Get the Answers You Need – Your Credit & Business Funding Questions, Explained
Credit repair is the process of identifying and disputing errors on your credit report in order to improve your credit score. This involves reviewing your credit reports for inaccuracies, such as late payments that were actually made on time, or accounts that don't belong to you.
You can then dispute these errors with the credit bureaus to have them corrected.
Credit repair can also include strategies to pay down existing debt and improve your credit utilization ratio, which is the amount of credit you're using compared to your total available credit.Every credit journey is different, but our clients generally see results within 3-6 months. However, for significant improvements, especially if you have multiple issues to resolve, it could take several months to a year or more. The key is to be patient and persistent.
Yes! Our client portal provides real-time updates, allowing you to see exactly where you are in your credit journey.
Negative information that can potentially be removed from your credit report includes inaccuracies such as incorrect personal information, accounts that don’t belong to you, duplicate entries, and outdated information.
Late payments, collections, and charge-offs can be removed if they are incorrectly reported.
However, accurate negative information, like a legitimate late payment or a defaulted loan, typically cannot be removed and will stay on your report for seven to ten years.