The purpose of credit repair is to provide you with expert help to correct your credit report, this in turn improves your credit score. Our preferred credit expert is allowed to help you based on the Credit Repair Organizations Act (CROA), they do this with the help of the client by teaching you other strategies that you can do at the same time like, paying down any credit card balances, making sure you don’t do anything that would cause any hard inquiries, and continuing to keep timely payments on current debt.
You have to be careful, there are a lot of scams out there. That’s why we have vetted several companies and the credit company we are partnered with has been has been partnered with us for several years. They have tailored a specific plan just for our clients to help get them to the target score needed to purchase a home and have helped us get dozens of client “mortgage ready.”
The length of time it takes will depend on how much work needs to be done, not every credit profile is the same. Credit is affected by the type of debt, the length and may other factors, so it is hard to pinpoint an exact time frame, on average it takes about 4-6 months.
Yes, but you have to make sure it is done correctly. Paying off collections can actually decrease your credit scores if the creditors do not remove them after they are paid off. As well as paying off a collection actually “resets” the active date on your report and makes it appear as a new collection
No but it definitely helps to have attorney backing. You have legal rights that are supported by the Fair Credit Reporting Act (FCHR) and not all credit repair companies are attorney based, our credit repair partner is. Having legal representation behind your credit repair services helps creditors and the credit bureaus know that you are serious about protecting your rights and repairing your credit
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