Frequently Asked Questions
Everything You Need to Know
Where can I find my credit reports?
There are many credit monitoring websites out there were you can check your credit for free such as credit Karma however for us repairing your credit we recommend either Smart Credit or identity-iq
How long does it take to repair my credit?
This Process Takes Time Remember, it has taken you years to get your credit into its current state, so cleaning it up will not happen overnight. We cannot dispute everything all at once, or the credit bureaus will reject the disputes by marking them as "frivolous," so we must do this carefully and strategically. It takes 30 to 45 days for bureaus and creditors to respond to each letter, and even more time for changes to reflect on your reports. A difficult item may take multiple letters to multiple parties, so patience is key.
How can I improve my credit score?
There are five factors that impact your credit score—payment history, amount of debt, length of credit history, credit mix and new credit. To improve your score, you can pay your bills on time, pay debt down, maintain your current accounts, get different types of credit and avoid applying for new credit frequently.
Beyond these five factors, your credit reports could contain negative items that are unfair or inaccurate, which can stay on your reports for up to seven to 10 years. If you don’t want to wait that long to build your credit, you can try repairing your credit and we cam help!