Frequently Asked Questions


FAQs

πŸ”Ž Frequently Asked Questions (FAQs)

πŸ’³ 1. What is credit restoration?

Credit restoration is the process of identifying and disputing inaccurate, outdated, or unverifiable items on your credit report β€” such as collections, charge-offs, late payments, bankruptcies, and more β€” to help improve your credit score.

⏳ 2. How long does the credit repair process take?

Each cycle typically takes 30–45 days, and we allow up to 2 full cycles (60–90 days) for maximum results. Timelines can vary depending on how quickly the credit bureaus respond and whether holidays or economic slowdowns affect processing.

πŸ“„ 3. What types of items can be disputed or removed?

We help remove or correct:

  • Collections

  • Charge-offs

  • Late payments

  • Repossessions

  • Bankruptcies

  • Medical bills

  • Student loan delinquencies

  • Incorrect personal information

  • Identity theft-related accounts

πŸ›  4. Will deleted items come back on my credit report?

In most cases, no. However, if a creditor re-verifies a debt or sells it to a new agency, it may reappear. We monitor and guide you on how to address any account that resurfaces after deletion.

πŸ’° 5. Do you offer tradeline boosting services?

Yes! We offer Bronze, Silver, and Gold Tradeline Packages to help strengthen your credit profile with positive payment history. See our Tradeline Request Form for details.

πŸ” 6. Is my personal information secure?

Absolutely. We use encrypted systems and follow all FCRA and consumer data protection laws. Your information is never sold or shared.

πŸ“‰ 7. Can you guarantee specific score increases?

We do not guarantee score increases because results vary based on your unique credit profile and reporting agencies. What we do guarantee is aggressive, ethical, and law-based dispute methods with full transparency.

🏠 8. Can credit repair help me qualify for a mortgage or auto loan?

Yes! Many of our clients use our services to qualify for home ownership, new vehicles, and credit card approvals. We can tailor your plan based on your personal financial goals.

πŸ“² 9. How do I get started?

Simply book a consultation using our Calendly link, or sign up for a credit audit. We’ll review your credit report and create a custom plan for your goals.

🧾 10. What are your service fees?

We offer transparent pricing and no hidden fees. Pricing depends on the level of service and support you need. You can find full package details on our Services page or book a free consultation to learn more.