Top Questions About Credit Repair

Find answers to the top questions about credit reports and the restoration process.

Top questions about credit repair

If you use credit, you need to understand your credit reports and how the credit correction (repair) process works. Credit reports contain vital information about the history of your credit use. It’s the engine creditors and lenders use to evaluate whether you qualify for new loans and lines of credit – as well as the interest rates and terms you’ll face.

Understanding the credit correction process is just as important. While many consumers trust the credit bureaus to maintain accurate records, there truth is a startling number of reports contain errors.

  • 1 in 4 credit reports contain at least one error that would negatively impact a consumer’s credit score
  • 1 in 20 contain a discrepancy that could potentially decrease a credit score by 25 points or more

The questions below are some of the top ones we’ve received related to credit reports and the credit repair process. If you need help or have additional questions, call us today at 1-888-462-1855 or fill out the form to the right to request help online.

How long does credit repair take?

The time it takes to repair your credit
If you’re trying to maximize your credit score to help you accomplish a specific financial goal, then it’s important to understand how long the process generally takes so you can plan accordingly. Here’s what you can expect with credit repair and how soon you can expect a better score.

How much do credit repair services costs?

How much does credit repair cost?
There are actually three basic level of service when it comes to credit repair, each with a different price range on how much you can expect to pay. We walk you three each level and the associated costs – from 100% free DIY to to-of-the-line concierge credit services for mortgage approval.

Is credit repair legal in all 50 states?

Cleared for credit repair
Federal law gives consumers the right to correct costly mistakes and errors in their credit profiles, regardless of where the consumer happens to live. However, that doesn’t mean that every service provider is licensed to work with anyone, anywhere. Here’s what you need to know.

Is there really such a thing as free credit repair?

Free credit repair
You see ads touting “free credit repair” but more often than not, you end up learning those “free” offers usually come with hidden fees and strings attached. So is there really such a thing as 100% free credit repair? Learn about the different tiers of service which option is really free.

Why do I have more than one credit report?

Why you have three credit reports in your profile
You always hear that you need to check your credit regularly, but the minute you try to get started, you realize it’s more involved than just reviewing a single profile. Learn why you might need to review more than one credit report, even though they may contain the same information.