Frequently Asked Questions

What is Credit Restoration?

Credit restoration refers to the process of disputing mistakes and errors in your credit reports. Each credit reporting agency maintains its own version of your credit report.

Even though they strive to maintain accurate information, mistakes can occur. Credit repair is the process used to correct those mistakes by submitting a dispute to the credit reporting agency that issued that report. If the information cannot be verified within 30 days, the credit bureau must delete the item you disputed. Credit restoration is the process used that allows you to correct negative items on your credit report that could be hurting your credit score.

Examples of items that can be disputed on your credit report:

    • Late Payments
    • Closed Accounts
    • Charge Off Accounts
    • Collections
    • Evictions
    • Repossession
    • Bankruptcy
    • Inquiries
    • Student Loans
How Can I Quicken The Process?

Everyone's credit situation is completely different, so how long it takes for you to achieve your expected results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part, the auditing and creating dispute letters based on your reports, usually within 48 hours from the date we receive them. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.

How long does the credit restoration process take?

Credit Reporting Agencies get 30-45 days to send your “Investigation Results” after they receive your disputes.

This doesn’t mean all disputed items and/or accounts will be deleted during that time frame.

We can’t guarantee a time frame all disputed accounts will be deleted.

However, we are excellent at getting our clients ultimate results!

Will my credit score be 700+ after the dispute process?

There’s no way to predict where our clients’ credit score will and after the erroneous, obsolete, and negative information is disputed. Several components dictate a credit score.

An excellent credit score is weighted on all of these components. You must have positive accounts with good payment history to an excellent score.

Can You Guarantee Results, Deletions, Or Credit Scores?

Absolutely NOT!

Federal law CROA (Credit Repair Organizations Act) prohibits credit repair organizations from guaranteeing deletions or credit score increases. The company can be fined and sued for this act.

Is Bankruptcy Better than Credit Restoration?

The Truth: While bankruptcy may help you erase or pay off past debts, those accounts will not disappear from your credit report. All bankruptcy-related accounts will remain on your credit report and affect your credit score for seven to ten years, although their impact will lessen over time.
Also, federal student loans often can’t be discharged in bankruptcy, so you may still be on the hook for those.

Can Student Loans be removed from my credit report?

We dispute our clients’ student loans when they are erroneous, obsolete, or fraudulent. Yes student loans can potential be deleted from your credit report.

FICO vs Vantage Score

Both FICO and Vantage range between 300 - 850
Both FICO and Vantage grade on the same basic criteria
90% of banks and lenders use FICO. However, Vantage is growing more popular.

FICO bases its scoring model on credit reports from millions of consumers at once. They use reports from the three major credit bureaus and anonymous consumer data to generate an accurate scoring model.
Requires at least six months of credit history and at least one account reported to a credit reporting agency within the last six months.
VantageScore uses a combined set of consumer credit files, also obtained from those same three credit bureaus, to come up with a single formula.
Requires one month of history and one account reported within the past two years.

Am I able to apply for credit while my credit is being repaired?

Please don’t apply for new accounts while you’re in the credit restoration process. Only do this if it’s absolutely necessary.

What if I don’t have any credit or accounts on my credit with positive payment history?

Become an authorized user if you have a short credit history, either because you are very young or are beginning to build your credit history, ask a family member or friend with a long credit life and a good credit limit to add you as an authorized user on their credit card. This could increase your score almost instantly. Make sure this person is responsible with their finances.

We have Authorized User Tradelines available for purchase if you don’t have a family member or friend that can assist you with this.