Frequently Asked Questions

Why is my score low or dropping ?

These are some reasons:
- Not paying bills on time
- Filing for bankruptcy or foreclosure
- Applying for too many credit accounts
- Carrying high balances on your credit cards
- Ignoring questionable negative items on your report

What is credit repair?

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can't verify these items are fair and accurate, they are required to remove them. Also, it's our name.

How long does credit repair take?

Honestly, we can't say. There's no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have seen changes in their scores and credit within 30-45 days of being with us! No changes in 90 days we will refund you 100%

Is credit repair expensive?

For some cases it can be , but having had credit is way more expensive!

Is it illegal to charge for credit repair?

YES it’s illegal to charge someone a fee before performing a job , that’s why we do a free consultation with you first all we need you to do is pay 4.99 for your 3 bureau reports.

Can credit repair companies really fix your credit?

Legitimate credit repair companies can help you remove inaccurate information from your credit report, which may be damaging your credit score.

Why my scores dropped during credit repair?

1. Remember that the most common reason for a 30 point drop is due to balance changes. ... An old credit card account closed.
2. New accounts positive or negative
3. High credit utilization

Why are my scores different?

Your score differs based on the information provided to each bureau, THEY ARE COMPETITORS. The credit bureaus may not receive all of the same information about your credit.

What is the difference between credit karma scores and FICO scores or vantage scores and Fico scores?

Credit karma and other credit monitoring platforms like smart credit and identityiq use vantage credit scores and they are not used by lenders and creditors to assess consumers' creditworthiness. FICO scores are general purpose credit scores developed by the Fair Isaac Corporation, which are used by lenders and creditors to help assess consumers' creditworthiness, like purchase of a home or car you can get your true Fico scores here
or here

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