What is a credit score?
Your credit score is a number that is calculated based on your credit history such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt.
What are the three credit bureaus?
The 3 main credit bureaus are Equifax, Transunion, and Experian.
Why do I need a credit report for all 3 bureaus?
Each credit bureau has access to different information. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don’t have a collection on one report doesn’t mean it doesn’t exist if another bureau is reporting that collection.
How long before I see results?
The honest answer is that it depends — on your goals, your situation and how much work you need done. We want you to create your own individual game plan to enable us to focus on the areas that will make the most impact. We do recommend that you commit to at least 4-6 months for better results.
When is the best time to get started with restoring my credit?
Yesterday!! That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time.
Can you guarantee a certain score improvement will be obtained?
No. It would be illegal to tell a client that he or she will get a specific score improvement. We can tell you the typical score improvement is 50-100 points but not guaranteed and that as a company we are committed to working with you to achieve your goals.