A credit repair company will help identify errors on your credit report, provide score optimization guidance, and manage the dispute process. But there is more than meets the eye.

It depends on the type, amount, and the creditors that own the debts on your credit reports.

Standard Credit Repair Process Timeframe:

• MILD (3-6): Months- Medical Collections, Communication Company Collections, Inquiries
• HARD(6-9): Months- Medical Collections, Communication Company Collections, Inquiries, Collection Charge-Offs, Credit Card Charge-Offs,
• VERY DIFFICULT (9-12 Months): Medical Collections, Communication Company Collections, Inquiries, Collection Charge-Offs, Credit Card Charge-Offs, Student Loans, Bankruptcy
• SEVERE (12-18 Months): Medical Collections, Communication Company Collections, Inquiries, Collection Charge-Offs, Credit Card Charge-Offs, Student Loans, Bankruptcy, Car Repossessions

Credit repair is not a cure-all, but if you are concerned about the accuracy of your credit report and want to raise your scores, you’re in the right place.

Bankruptcy can decrease your scores up to 240 points

Late payments can decrease your scores up to 80 points

Collections/Charge-Offs can decrease your scores up to 50 points

Maxed out credit cards can decrease your scores up to 10 points

Foreclosures can decrease your scores up to 160 points

It is very unlikely that the deleted negative items will reappear on your credit. However, there is a 10% chance that a deleted negative account will reappear if it is sold to a new creditor.

If a deleted negative item reappears on your credit a new credit repair dispute process will be advised.

It takes 2-3 years to build a business credit profile sustainable enough to leverage separately from your personal credit. Meanwhile, that your business credit profile is building, you can leverage your personal credit to fund your business as long as you understand the risk.

Leveraging your personal credit will allow you to fund your business faster.

However, if your business fails it may negatively impact your credit report which may cause financial hardships. Utilizing your personal credit may increase your DTI percentage.

A credit sweep is disputing all your negative items on your credit reports at once using the most aggressive dispute methods.

Seasoned tradelines are accounts that have 2 years or more of excellent payment history. Seasoned tradelines are beneficial because once you are added to the seasoned tradeline so is the payment history associated with it, which will increase your credit scores. The credit score increase depends on the mixture of your credit profile.

• Provide the client with a complete credit analysis via email ( reviewing their credit reports to help identify potential inaccurate, outdated or unverifiable information).
• Develop a personalized strategy to address and resolve client’s past credit issues to assist them with maintaining a positive credit profile
• Negative items deleted from the credit bureau reports (Experian, Transunion, Equifax) within 90 days. Items that aren’t deleted will continue to be disputed against for 12 months.
• There is a monthly filing fee if the client(s) are enrolled in a monthly payment plan
• Client will be advised of credit profile building strategies
• Tradelines are added at an additional fee