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FAQ

If you want to know how to fix credit score fast, you’re not alone. Many people struggle with low or bad credit scores that prevent them from achieving their financial goals. Whether you have errors on your credit report, missed payments, or high debt, there are ways to improve your credit situation and boost your score. In this article, we’ll answer some of the most common questions about credit repair and give you some tips on how to fix credit score fast.

At any time, you can log into your on-line account page to view up-to-date progress. There is a timeline and progress report as well as a credit analysis view.

 

Credit repair is the process of improving a person’s credit score by identifying and correcting errors on their credit report, negotiating with creditors to remove negative items, and helping the person adopt better credit habits.

 

Every individual has the responsibility to monitor and protect their own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. Credit 4 Hire steps in to help when you need professional assistance from people who work with the bureaus and these laws every day.

 

In our experience, that isn’t how things work. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we address an item from your credit, we expect a response. Each challenge is unique to you and your credit situation.

 

It is your right and responsibility to assure the accuracy of the items on your credit reports. If the information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

 

It is possible for negative items to appear on your credit report again, after they were deleted to be verified by a creditor. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an item that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

 

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default.

 

A bankruptcy can remain on your credit report for up to 10 years. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies

 

A high credit score is often a requirement for getting approved for a mortgage or securing a favorable interest rate. Our credit repair service helps clients improve their credit scores by identifying and disputing errors on credit reports, negotiating with creditors and lenders, and providing personalized advice on how to improve credit scores. By working with our team of expert credit advisors, you can take control of your credit and increase your chances of getting approved for a mortgage or securing a favorable interest rate.

Absolutely! Our credit repair service is designed to help clients of all credit levels improve their credit scores and achieve their financial goals. If you don’t have credit yet, our team of expert credit advisors can provide personalized advice on how to build a strong credit history and improve your credit score over time. By establishing good credit habits now, you can set yourself up for financial success in the future

The length of time it takes to repair credit depends on various factors, including the number and severity of errors on credit reports, current credit scores, and overall financial situations. On average, clients see significant improvements in their credit scores within 3-6 months of starting our services.

While we cannot guarantee specific results, we have a high success rate helping clients improve their credit scores and achieve financial goals. We offer a 100% satisfaction guarantee and work with clients every step of the way to achieve the best possible results.

Tradelines are credit accounts added to credit reports to boost scores. They can be added by friends or family members with good credit histories who are willing to add clients as authorized users on their credit accounts. When clients are added as authorized users, the positive payment history of the tradeline is added to their credit reports, which can significantly improve credit scores.

Yes, our tradelines are sourced from trusted and reputable sources and guarantee an immediate boost to credit scores.

Tradelines typically show up on credit reports within 1-2 billing cycles of being added.

Our credit repair service is $199 per month and includes all the tools and resources needed to repair credit, as well as personalized support from expert credit advisors.

To get started, sign up for a free consultation on our website or give us a call. Our expert credit advisors will work with you to develop a customized plan to help achieve your financial goals and take control of your credit.

Yes, we often run promotions and special offers for our credit repair and tradelines services. You can stay up-to-date on the latest deals by signing up for our newsletter or following us on social media.

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