Your credit score is a three digit number that is calculated based on your credit history such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt.    

You control 550 points out of 850.  Your credit score is calculated by the following breakdown:

• 35%- On time payments (192.5 points)
• 30% Credit Utilization (155 points)
• 15% Credit Age (82.5 points)
• 10% Credit Mix (55 points)
• 10% Inquiries ( 55 points)

This means to improve you score, you should pay all your bills on time, pay down credit cards to know more than 1-9% reporting, keep positive statuses on all your current accounts, have a good mixture of credit account types and not apply for new credit that you do not need.

The answer is, it depends.  Each person’s credit profile and situation is different.  There is not a one size fits all approach and we do a great job tailoring a plan specific to you.  You should steer clear of advertisements from companies that suggest they have “guaranteed” results in 30 days.  Those claims are actually a direct violation of the laws that govern Credit Repair Organizations and call to question what else the company may be doing that is unlawful and could harm you as a consumer. The average time for our clients range from 4-9 months but your time could be less or more, depending on your credit profile and goals.

No.  It is impossible to know how each of your creditors and the creditors will respond to challenges on your particular report.  What we can guarantee is that all negative, incorrect, inconsistent and/or incomplete accounts on your credit report will be challenged based on compliance to all Federal and States laws that protect you as a consumer.  On average, most clients see a 50-100 point increase across the bureaus but this number could be more or less, depending on your credit profile.

Absolutely! Anyone can take the steps to repair their own credit.  It will require dedicated time, effort and consistency to see optimal results.  Our company has created the perfect solution to those wanting to begin DIY Credit Repair.  We have custom crafted The “Self” Advocacy Challenge which provides all the dispute templates you need to start your credit repair journey.  You will only need to plug in your information, print and send.  Everything else has been done for you according to your rights under the Fair Credit Reporting Act.  Our DIY  Credit Repair Facebook Group is another great resource.  Purchase your dispute kit today from our Online Store.