Credit FAQ’S

What are Credit Repair Services?

Credit repair services are provided on a national level to assist consumers with a variety of services from challenging inaccurate, unverifiable or untimely accounts that are reporting to debt settlement service options to educating consumers on their rights. 

Repairing, rebuilding, building or establishing your credit is a large task consumers can take legally. On a national level, any professional industry is going to typically deliver better, stronger, smarter results. Instead of investing the time and energy on their credit, thousands decide to engage into credit repair services with or any other and other licensed credit repair organization.

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What is Credit?


Credit, in its simplest terms is a resource granted by a lender in which the lending party does not immediately reimburse the lender and agrees to a repayment plan to the lender at a later date, often times in an amount greater than the initial debt. Credit by itself simply refers to a situation where something of value such as cash, a home, or a vehicle is given in exchange for a promise of payment. When most people think about the term credit, however, they think of a credit rating and whether they have good credit or bad credit.

When you apply for financing, a credit report is pulled from at least one, or all of the three major credit bureaus. In fact, there are hundreds of smaller “credit bureaus” across the country. Let it be known that most of them are connected and/or affiliated in some way with the big three – Trans Union, Experian, or Equifax. Credit bureaus collect and maintain information on the vast majority of Americans, but they are not affiliated with the government in any way nor is their any legal requirements currently on what is defined as a credit bureau. The credit bureaus are money making corporations which sell consumer data for money.

Having a strong credit score is one of the most important factors to your overall financial success.  Your personal credit score is something that follows you wherever you go and affects many of your financial decisions, as well as the decisions lenders make about your lending requests.

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What Kind of Information Appears on the Credit Report?


Personal History

This would include any addresses you lived at, past employment information, different names you might go by. This information is captured and stored over time by consumers placed different information on loan applications of updating a current lender with new data which is then reported to the credit bureaus. 

Merchant Trade Lines

These include credit lines such as store cards, auto loans, mortgages, universal credit cards, student loans, personal loans, lines of credit..etc. 

Collection Accounts

If an account is sent into collections, either a third party represents the debt or it is a whole sale, purchased collection debt,  it could end up reporting onto your credit report history. Even if the account did not report when it was in a positive sate, many accounts could report when they are in a collection state. These accounts could be cable bills, cell phone, utilities…etc. Collection accounts can appear as paid or unpaid accounts. Any type of collection account, whether paid or not, is considered very negative by all credit grantors and scoring systems.

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Public Records

Public records include bankruptcies, judgments, liens, satisfied judgments, and satisfied liens. All court records, including satisfactions, are considered negative by all credit grantors.


Every time a potential ;lender requests a report of your credit file, a credit inquiry will report on at least one of your credit bureau reports. If the number of inquiries is very few over the last two years, then there may be no negative effect on your credit worthiness. However, if there are many recent inquiries showing on your credit report, credit grantors may become nervous and deny you credit.



What is a credit score?


A credit score is a risk assessment which is valued based on a number that summarizes the historical credit information on a credit report. The number reflects your current risk and likelihood you will become delinquent on a credit obligation in the future. This risk assessment, is typically graded on a scale ranging from 300 to 850. A credit score quite simply, is a representation of your current financial reputation.

A numeric value to a statistical evaluation of information contained in a consumer’s credit report. An ever changing, complex algorithm utilizing consumer history to evaluate risk. Used by lenders, landlords, employers and others, your credit score represents your current financial reputation, risk level and responsibility.  

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What is a FICO® Score?

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The credit score system which most banking and lending institutions use was developed by Fair Isaac Corporation, and is known as FICO. To determine a FICO™ score for a consumer, Fair Isaac developed a formula based on nearly forty different characteristics that it claims predict the likelihood that the consumer will repay their debts. FICO™ groups different classes of consumers according to key attributes or trends and then compares a given consumer’s credit file to other consumers in that same group. For example, there is a group of consumers who have filed for bankruptcy. There is a group of consumers who have one late payment, a group with medical collections, and so on. FICO™ system has been developed to separate consumers into groups of consumers with common key attributes making the credit score even more predictive of credit worthiness. This system is called a “scorecard” system.

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What is VantageScore®?

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VantageScore is a credit score developed jointly by Experian, Equifax and TransUnion. This score uses the same formula across all three credit reporting agencies, resulting in a more accurate and consistent picture of your credit history. Learn more about VantageScore.

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Does shopping for the best interest rate effect the score? 

“Hard” or lending requested inquiries have a negative impact on your credit score. However, the credit scoring system currently recognize a consumer shopping for the best rates and ignore the inquiry scoring impact. Shopping for a mortgage or auto loan will have little or no impact on a credit score.

Do finance institutions place a negative impact on consumers scores?

The reporting presence of a loan can at times, negatively affect your score. The reason is the score is an assessment on can the consumer handle more lending based on their current financial situation and reported history, regardless of payment history, having multiple loans at one time could present a high risk to a bank because of the overall debt to income at that time. However, when paid on time, these accounts can also have a positive effect on your score being the FICO® Scoring system places 35% of its score result in payment history.

Does having multiple credit cards affect a credit score?


Having too many credit cards with either high balances or large amounts of credit available can negatively impact credit scores, depending on the overall credit history, and other variables in a consumers overall credit report history, it is best to have your credit card balance to limit ratio around 1% – 5% utilization reporting when applying for new credit. The reported quantity of open credit cards is to be no more than 4 to 5 max. 

Does marriage merge credit reports and affect each spouses credit?

The only way someone’s credit could effect another is if they had joint credit accounts, cosigned a loan together or have authorized use of another person’s credit in some way. These items and situations could affect a score if they appear on your credit report. It is important that joint account holders or authorized users understand that their credit behavior does affect the other joint account holder or main account holder.

A credit account held solely in the name of your spouse, your child or any other family member cannot impact your credit score. It is important to note that in community-property states, all debt acquired during a marriage is considered a joint debt, regardless if the account is joint or in the name of an individual spouse.

Does cosigning for a loan affect a credit score?

If the loan which is being cosigned is from a creditor which reports to at least one or all three major credit bureaus than the answer is absolutely yes. In a cosigning situation, both parties are accepting responsibility for the debt if the debt is not paid correctly under the terms in which it was signed on.  A cosigned account will appear on both your credit history and the other person’s. All loans and credit card accounts that appear on your credit report will impact credit scores.

Does renting a home affect a credit score in any way?house

It all depends if the landlord reports the information to the at least one or all three major credit reporting agencies. The option to report rental information is still rather new, because of this fact, it is a case by case situation and is best to ask your landlord or the homeowner for those specific details. 

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Does How do inquiries affect consumers credit reports?

 Inquiries placed on your credit report when you apply for new credit can impact your credit score. However, inquiries have a relatively small impact on your credit score. In a credit scoring model, there are stronger indicators of future payment performance, such as past payment history and use of credit. Inquiries are rarely, if ever, the only reason for poor credit scores. They become significant only if there are other issues already lowering your score, such as late payments or very high debt.

Anytime your credit report is pulled — including when you order a copy of your credit report directly from the credit reporting agency — an inquiry is added to your report. Only some of those inquiries appear to creditors and therefore impact your credit score. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors and are counted in a credit score. Inquiries added when you request a copy of your own credit report or when an employer checks your credit report do not appear to creditors and will not affect your credit score.

Who or what decides if I get my loan?

Any institution in which you apply for a loan or financial terms on a particular product or service. The list would include banks, credit card companies, mortgage companies, auto dealers, retail stores and other lenders decide if you get your loan. Most businesses that issue credit or loans use credit scores to quickly summarize a consumer’s credit history, saving the need to manually review an applicant’s credit report and providing a better, faster decision. Although many additional factors are used in determining whether or not you receive the credit you applied for — such as an applicant’s income versus the size of the loan — a credit score is a leading indicator of one’s basic creditworthiness. Credit reporting agencies do not make lending decisions.


How Does™ Correct and repair Consumer Credit?

The process for each individual varies due to account information, accuracy, credit goals in mind, time frame on goals, etc. To keep this answer short and simple, once we receive your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down and what is in need of establishment. When it comes to the Bureau Discovery Feature, our Solutions Specialists will draft letters to investigate the accounts on your behalf with approval. It is important to note, according to Federal Law, the credit bureaus can ignore your “dispute” under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another.’s letters are expertly designed in such a way through our Random Recognition System™ (RSS) that credit bureaus will accept our investigation letters and conduct an investigation.

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Is the Repair Process Legal?

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As a citizen, you are given rights under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report.™ uses every venue available to you under the law to help you assert these rights. You have the simple right to make sure and validate that all accounts and information currently reporting is 100% free of error.

How is This Done Legally

The account investigation service and process is your right. When engaged with™ our team utilizes our advanced tactics within the Bureau Discovery Product Feature™,’s attorney-reviewed process challenges the inaccurate or misleading accounts on consumers credit reports, abides by all federal regulation to deliver third party credit restoration assistance.

An investigated account must be verified as accurate for it to remain on the credit report. If the credit account reporting contains an error, the credit bureau may update and correct the account. It is more often than not, challenged accounts cannot be verified because either, the creditor no longer possesses necessary information or does not want to go through the effort of verifying it. Furthermore, the investigation window for responding is 30 days, or the account must be removed from the consumer’s credit report. For these reasons, properly investigating accounts will result in a high frequency of deletions for most consumers. Having patience is important during any investigation process, each time an investigation is initiated, the odds of receiving a particular deletion increases.

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How Long Does Credit Restoration Take?

This is a trick question, in most cases, “restored” reflects the approval of whatever the consumer was looking to obtain when they first enrolled. Restoration of your credit and complete perfection is defined in your opinion of the idea. An example on a consumer’s personal health and what each individual deems healthy is similar to a personal opinion on what would constitute a restored credit score and profile. Most would say a restored credit score would be placing their situation into one of loan acceptance and approval. Due to the fact that everyone’s credit history is different, clients who engage in a service level that offers the Bureau Discovery Product Feature™ will legally have changes and results within 30 days from the bureau’s acceptance of the particular investigation letter batch sent to them. The reason is the legal time frame in which the bureaus are able to accept results and responses is 30 days from receipt. Internal processing adds an additional 5 day turn around.

What Happens When An Item Reappears?

The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA makes it difficult for credit bureaus to re-report listings. During the course of enrollment with, if a credit report account is verified at a later point in time, will help challenge the account again if there are legitimate grounds to do so.

What Happens to An Item After Reporting For Seven Years?

At the seven year mark specific to the date of last activity on a per account basis, most derogatory items, such as late payments, collection accounts and charge-offs are deleted and removed from your credit profile. Some accounts, such as unpaid tax liens, student loans and child support obligations, have no statute of limitations and can legally show on your credit report forever. Positive credit history can be, at times reporting on your credit report for more than 7 years. Since it is good credit history, there is no need to worry about something old and positive that is reporting.

How Long Does Negative Information Stay on Credit Reports?

The Fair Credit Reporting Act (FCRA) requires that negative credit accounts be deleted from your credit profile after no more than seven years. Information detailing Chapter 7 or 13 bankruptcy in the public record section reports up to 10 years, including anything else within the public records section.  These are the time limits for reporting questionable credit. The creditor or the credit bureau can choose to have the questionable credit information deleted whenever they please. Inquiries may remain on the credit report for up to two years, but only affect one’s score for one year.

Where Does the Reported Information Come From?

Although the information may come from many places, it generally comes from three sources – you, your creditors, and public records. Let’s look at each of these sources and the information that they provide.

Filling out a Credit Application

Unfortunately, most consumers nationwide are unknowingly supplying a great deal of information, if not all of their consumer information to the credit bureaus directly. This process occurs when consumers apply for credit through an application. When consumers apply for credit, you complete a credit application in which you supply your full name, Social Security Number, current and former addresses, and current and previous employment. When this information is submitted to the bank for the loan, the same information is sent to the credit bureaus for the credit report score and profile verification process. This information becomes a part of your credit file. Therefore, it’s important that you accurately complete this information on any credit applications that you complete, or limit your credit applications to only important requests.


Your current and former creditors also provide information to the credit bureaus about you. These creditors have systems that send data specific to your account to the credit bureaus which they are contracted with, and report to on a monthly basis. The data includes: payment history, balances, high limit balance…etc.

Automatic Subscribers

Automatic Subscribers are creditors that regularly report information to the credit bureaus about your account with them. This information includes the date this creditor opened the account, the total amount of debt or credit limit, the current balance, and your payment history – good or bad. There are many different types of automatic subscribers, including banks, credit unions, department stores, finance companies, and major credit card companies. However, just because a creditor is an automatic subscriber to one credit bureau, doesn’t necessarily mean that the creditor will report to all of the major credit bureaus. That’s one reason that the credit reports produced by different credit bureaus very often contain different information.

Limited Subscribers

Limited Subscribers are creditors that do not regularly report information to the credit bureaus. Instead, these creditors may only report certain types of information, for instance, delinquencies or collection activities. These entities generally do not report good credit information, usually just negative data and information. There are many different types of limited subscribers, including apartment management companies, insurance companies, utility companies, medical providers, and collection agencies. As with automatic subscribers, many limited subscribers may only report information to one of the national credit bureaus. Therefore, bad information reported by a limited subscriber may only affect one of your credit reports.




Who Can View Consumer Credit Reports?

The answer would come down to the amount of activity you place on your credit, as well as your life style in general. Your credit report is used more and more often as a yardstick to measure your character and most important, risk. In today’s world, prospective creditors will always review at least one of your credit reports before granting you credit. Today it is increasingly common for insurance companies to review your credit before extending auto or health insurance. Many employers now also check credit before they consider you for a position. If you rent, you may have already been through a credit check to determine your worthiness as a renter.

Can Anyone Get a Copy of Your Credit Report?

Not just anyone can access or receive a legal copy of another’s credit report. Only people, who are representing a business with a legitimate business need can access your credit report, as recognized by the Fair Credit Reporting Act. For example, a company is allowed to get your report if you apply for a credit card, loan, insurance, employment, or to rent an apartment. Moreover, creditors, employers, insurers, and other businesses cannot get a report about you that contains medical information without your approval.



Do I have the Right to Know What is In My Credit Report?

You have rights you may not even be aware of, the answer to this question is, yes. Anyone who takes action against you in response to a credit report supplied by a Consumer Reporting Agency (CRA) – such as denying your application for a credit card, loan, insurance, or employment, must give you the name, address, and telephone number of the CRA that provided the credit report. The CRA must tell you everything in your credit report, including medical information, and in most cases, the sources of the information. The CRA also must give a list of everyone who has requested your report within the past year- two years for employment related requests.



Can a Consumer Look At Their Credit Report?

For the most part, most credit grantors are not allowed by the credit bureaus to show you your own credit report. But you can purchase your credit report from the credit bureau for a fee. Once you receive your credit report, you may find that you cannot read it because the information is listed in an unfamiliar code. Your best bet would be to order a 3-in-1 combined bureau report since they are the easiest to read. To review your FICO™ report, one would have to apply for credit, which is a hard pull and then request a copy of the report to simply obtain a copy of the FICO™ report. That is a large risk and hindrance, our team suggests the free annual credit report option, the information in the history section is the same.



What Credit Score Matters the Most?

The number that matters the most is the one attached to the particular Credit Bureau which the lender is contracted through to access consumer credit report and scores for lending purposes. Keep this in mind; in most cases (unless you ask and verify) when you apply for a loan or a credit card you really have no idea which credit bureau they will use, which scoring model they will use, or even which brand of credit scores they’re going to use. The lender may not even use a FICO™ or VantageScore™ credit score and opt, instead, on using a custom built credit score that only they have access to. In some cases, some banks have built their own internal risk assessment and consumer grading system for themselves. It is literally a case by case situation.



What Could a Strong Credit Score Do For Someone?

A strong credit score and credit profile can offer options. Let it be known that banks, credit card companies, auto lenders and others utilize your credit scores and profiles as one of many tools internally when deciding whether to approve you for a loan to borrow money for repayment. It is very important to keep in mind though that a positive, strong credit score is important for many other reasons as well. Having a strong credit score can get you a lower interest rate on your credit cards and loans, which saves thousands in interest fees and payments over your lifetime if you utilize lines of credit and credit card limits. It can save money on car insurance, home insurance and life insurance as well. It will prevent the requirement to pay security deposits on utilities or cell phone contracts. Many employers now pull credit as part of their pre-employment screening process. They won’t use a score to determine if you’ll get the job, but they can certainly consider your credit report data vs another probable candidate you could be going against for the job and position.



What Is Viewed As Strong Credit?

The opinion on “strong” or “good” credit varies greatly and is actually an opinion based question. For some, 700 is good, while others suggest a 680 is good.™ looks at each individual separately knowing that “good” falls in line with “approved” in most cases. The word “approved” is referring to a loan or a lending opportunity. What this means is that in most cases, the general public is not looking for “good” credit, rather looking for “approvable” credit when they wish to apply for a loan of some kind. Gathering the client data and details as to what they are looking to obtain, the type of loan in some cases and interest rate, changes the value of what “good” is and what the requirements are for the approval on whatever the consumer is looking to obtain. We value the simple mindset of a score that’s strong enough to get you the best deal the lender has to offer is a good score. So, if you need a 700 to get your lender’s best deal, then a 700 is a good score. If you need a 780 to get your lender’s best deal, then a 780 is a good score.

Can Negative Items Or Accounts Be Removed From the Report?

Some negative accounts can be legally removed from a consumer’s credit report profile.  As a consumer, you have rights, these particular rights allow consumers to request their removal from their credit history. Consumers have the right to question any credit information reporting that is felt to be in anyway inaccurate, unverifiable, misleading or untimely. Furthermore, consumer rights allow consumers to contact the creditors directly and request the particular account that is damaging to be removed from your reports. It is the consumer’s right and obligation to make sure each account reporting is 100% free of error at all times.

What Do We Consider Accurate?™ defines the word ‘accurate’ as a simple understanding in which each account reporting is 100% free from error. Anything else is inaccurate, unverifiable, misleading or untimely. To make this simple, in the eyes of™ – Accurate is fair. The current reporting nature of the credit account or listing doesn’t always tell the accurate story. Please be advised, court rulings have confirmed at times, some credit accounts and listings may be technically accurate, those same reporting accounts were not found to be accurate based on circumstance.

What Do We Consider A Verifiable Item or Account?™ defines the word ‘verifiable’ as a specific response and reporting result to an investigation tactic delivered though the Bureau Discovery Product Feature™.  The word ‘verifiable’ is utilized within our many investigation methods by our Solutions Department. This word also means that the consumer credit information is requested to be 100% verified with the reporting creditor source. If a creditor is unwilling, unable, or unavailable to verify the particular aspect of the account information in question, it must be removed from the consumer’s credit report history.


Can Accurate Items Or Accounts Be Removed?™ directs consumers in a manner that delivers a simple question on each account reporting. This question is: is the account reporting known to be 100% free of error and accurate? If the consumer feels a negative credit reporting account is 100% accurate and 100% free of error, you do not have the legal grounds or right to question or investigate this account with the credit bureaus. will not service your request if an account is found be true in this manner.

Benefits Of Using A Professional Credit Service Organization

The amount of time and energy you will save when enrolling into one of™’s Service Levels is truly endless. This savings is based on the ongoing education given and retained by each client that can be utilized for years to come. Our developed service levels and credit solutions are designed to take risks and mistakes out of the equation when dealing with this process yourself. Having industry experts servicing your file and advising you throughout enrollment creates a peace of mind for each client. Instead of working on your credit yourself, consider the effectiveness of™’s advanced credit repair tactics to expedite your progress and improvement curve.

A credit repair organization such as has all the same tools available that you can use yourself, except we have the experience of helping and advising thousands of clients over the years. This professional experience and knowledge gives our team an advantage when it comes to knowing the optimal credit repair methods to employ when it comes to your specific credit situation and overall goal.



To learn more about™’s Service Levels or to receive an overview please contact us at 1-844-488- CREDIT for a free credit consultation.

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