Credit repair involves a process of identifying and disputing errors and inaccuracies found on a credit report. Common errors may include incorrect personal information, fraudulent accounts, and debts that have already been paid. The first essential step to start credit repair is to acquire a copy of the credit report from each of the three most significant credit bureaus, namely, Equifax, Experian, and TransUnion. It’s possible to dispute errors and inaccuracies that have been found with the credit reporting agencies, creditors, and collection agencies. The dispute options may involve multiple rounds of correspondence and may extend from a few weeks to several months. As negative elements are eliminated or corrected, an individual’s credit score may improve, leading to more affordable loans and better credit terms, which can provide a better financial outlook. It’s important to keep in mind that credit repair is not a quick fix, and some negative items may not be removed from a credit report.

Our credit repair process is customized for each client’s unique credit report, as everyone’s starting point is different. Some clients require light credit restoration while others may need more extensive repairs. On average, our clients see results in around 5-6 months, but this timeline can vary. We work tirelessly on our clients’ files until we achieve satisfactory results. If at any point you choose to cancel our services, we offer hassle-free cancellation

Credit monitoring is crucial because it allows us to effectively track your progress, updates, and provides access to scoring information from all 3 credit bureaus. Each bureau has the ability to report different information (For example; you may have a collection with Transunion but not Experian). Free monitoring, such as Credit Karma, does not offer this.

Yes.There is a contract that entails our service agreement; however, you may cancel at any time.

As we are working with your creditors and the credit bureaus, we’ll notify you of updates to your credit profile via email. When you have items removed or improved, you will see them first on your credit report, updated 30 days. You will be able to monitor your progress through IdentityIQ.com, use the login information you created during the signup process. We encourage that you log in to your client portal frequently to keep up with your progress.