Credit Repair
What is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected ...
Why Avoid Speaking to Collection Agencies by Phone
They bombard you with nonstop calls, harassing you all day, but answering might be the worst thing you can do. Speaking to a collection agency over the phone can be problematic for several reasons: No Paper Trail: Collection agencies thrive on verbal ...
Should I pay off collections on my credit report?
Deciding whether to pay off collections on your credit report depends on various factors. Here are some considerations to help you make an informed decision: Credit Score Impact: Paying off collections won't necessarily boost your credit score ...
Can inquiries be removed from my credit report?
Too many inquiries or credit applications can hurt your credit score. You can challenge any inquiry with Smart Dispute that you do not recognize, or you believe may be questionable, but the circumstances under which they can be removed are specific. ...
What if all my negative items are accurate?
While you may believe the items on your credit report are accurate, many dishonest collection agencies illegally change dates and details of accounts to keep them on your reports for longer. Even if all the negative items on your credit report are ...
What type of items can be removed from my credit report?
Many items can be removed from your credit report, especially if they're inaccurate or unverifiable. Here's a list of items that can potentially be removed or corrected: Inaccuracies or Errors: These are the most common targets for credit repair. If ...
How long do negative items stay on my credit report?
Negative items can linger on your credit report for up to seven years, but that doesn’t mean you have to wait that long to see improvements. Here's how it works: Late Payments: Usually stay on your report for seven years from the date of the first ...
Can I apply for credit while doing credit repair?
We strongly advise against applying for new credit while we are repairing your credit. Applying for credit during this time can lead to additional inquiries on your report, which may lower your score and interfere with the progress we’re making. New ...
How long does credit repair take?
There is no definitive timeline for credit repair, as the process varies based on each person’s credit needs. How many negative items you have, what kind of negative items they are, how quickly your creditors and the bureaus respond to challenges - ...
What is Credit Repair?
Credit repair is the process of fixing bad credit through the removal of inaccuracies, mistakes, or unverifiable information on a credit report to improve and elevate a client's credit score. It often involves engaging with credit bureaus and ...