Frequently Asked Questions
What is credit repair?
Credit repair involves the process of identifying and addressing errors or inaccuracies on your credit report to improve your credit score.
Do I need credit monitoring?
Yes, In order for me to dispute effectively, credit monitoring is required for the duration of your services. If your credit monitoring becomes not active, services will be ceased IMMEDIATELY!
When will I receive updates?
All updates can be seen through your client portal, every 35-45 days.
Can I apply for credit cards while in credit repair?
No, I advise you to wait until services are completed to apply for ANYTHING! If need be and under my direction, you may apply for 1 credit card.
How long does credit repair take?
The duration can vary, but generally, it takes 6-12 months to see significant improvements, depending on the complexity of each individual's profile.
What happens if I receive a stall letter?
You do NOT have to send them in, but please let me know. All accounts will be re-disputed.
What happens if I receive any new derogatory accounts during credit repair.
Any new derogatory accounts added after service has been initiated will NOT be disputed.
Is there anything I should be doing during the process.
YES! Keep up with ALL bills (Please pay them ON-TIME), Pay down credit cards balances, and DO NOT apply for any NEW credit.
I am trying to become a homeowner, what should I be doing.
Credit is only a small piece in homeownership. You should be saving for a down payment and minimizing your debt to income ratio.