All Of Your Questions Answered In One Convenient Place.
1What is credit repair?
Credit repair involves identifying and disputing inaccuracies or unfair items on a credit report to help improve your credit score.
2How does credit repair work?
Credit repair specialists review your credit report for errors, file disputes with credit bureaus, and work to correct inaccurate or outdated information.
3What is the difference between credit repair and credit improvement?
Credit repair focuses on correcting errors, while credit improvement includes additional strategies to help boost your credit score, like managing debt.
4How long does credit repair take?
The process can take from a few weeks to several months, depending on the number and type of issues in your report.
5Can you legally remove items from my credit report?
Yes, items can be removed if they are inaccurate, unverifiable, or outdated. We only follow legal processes.
6What types of items can be removed from my credit report?
Common items include incorrect late payments, collections, charge-offs, and bankruptcies, if found to be inaccurate or unverified.
7What is a credit score?
A credit score is a numerical representation of your creditworthiness, ranging from 300 to 850 in most scoring models.
8How is my credit score calculated?
Your credit score is based on factors like payment history, amounts owed, length of credit history, new credit, and types of credit.
9What’s the difference between a FICO score and a VantageScore?
Both are scoring models, but they use slightly different algorithms to calculate credit scores.
10How can credit repair improve my credit score?
Correcting inaccurate or outdated items can improve your credit report, which may result in a higher score.
11Is credit repair permanent?
Yes, if errors are corrected, they should remain off your report, but new negative items can impact your score.
12Will paying off all my debts improve my credit score?
It can, especially if your utilization ratio is high. However, other factors also affect your score.
13How long do negative items stay on my credit report?
Most negative items stay on for seven years, while bankruptcies can stay for up to ten years.
14Can late payments be removed from my credit report?
If they are reported inaccurately, yes. Otherwise, they will typically remain for seven years.
15Can you remove a bankruptcy from my credit report?
Only if it is inaccurately reported or unverified.
16How much does credit repair cost?
Our fees vary depending on the level of service and number of items to dispute. Contact us for details.
17Will credit repair help me get a loan?
Improving your credit score can increase your chances of loan approval, though it’s not a guarantee.
18Is credit repair worth it?
For many, credit repair can be worthwhile, especially if inaccurate items are holding their score down.
19How do I get started with credit repair?
Contact us to schedule a consultation where we can assess your credit report and discuss next steps.
20What is a hard inquiry, and does it affect my score?
A hard inquiry occurs when a lender checks your credit for a loan application, which may slightly lower your score.
21What is a soft inquiry?
A soft inquiry is a credit check that doesn’t affect your score, often used for pre-qualification or background checks.
22How many points can credit repair add to my score?
Results vary, but many clients see improvements of 20-100 points, depending on their credit situation.
23Can I repair my credit on my own?
Yes, you can, but credit repair professionals have the expertise to streamline and manage the process effectively.
24Is credit repair a scam?
No, legitimate credit repair firms operate legally to help clients improve their credit by removing inaccuracies.
25How often should I check my credit report?
It’s recommended to check it at least once a year or before major financial decisions.
26What’s the best way to improve my credit score quickly?
Correcting errors and paying down high credit card balances are effective strategies.
27Does closing credit accounts hurt my score?
Closing accounts can affect your credit utilization ratio and length of credit history, potentially lowering your score.
28Can credit repair help me buy a house?
A better credit score can increase your chances of mortgage approval and improve loan terms.
29Will credit repair eliminate all my debt?
No, credit repair focuses on correcting report errors, not debt elimination.
30How accurate are credit reports?
Credit reports can contain errors, which is why reviewing them regularly is important.
31What if credit bureaus don’t respond to disputes?
Legally, credit bureaus must respond within 30 days, or the item must be removed if not verified.
32Can student loans be removed from my credit report?
Only if they are inaccurately reported or unverified by the lender.
33Will removing collections raise my credit score?
In many cases, removing collections can improve your score, but results vary.
34Can I dispute credit report errors myself?
Yes, you have the right to dispute items yourself, but professional help can simplify the process.
35What is credit utilization, and why is it important?
Credit utilization is the amount of credit used versus available credit. Lowering it can improve your score.
36How do charge-offs affect my credit score?
Charge-offs are seen as major negative items and can significantly impact your score.
37Are credit repair services guaranteed to work?
No service can guarantee results, but we are committed to working on your behalf for the best possible outcome.
38What’s the difference between a charge-off and a collection?
A charge-off is when a creditor writes off debt, while collections are transferred to an agency for payment.
39Can you repair my credit for a mortgage application?
Yes, improving your credit can help with mortgage applications, but results depend on your unique situation.
40What happens if I don’t pay a collection?
Unpaid collections can impact your score and may result in further collection actions.
41How often can I dispute items on my credit report?
Items can be disputed whenever inaccuracies are identified, but filing repeated disputes without new information isn’t advisable.
42What’s a goodwill adjustment?
A goodwill adjustment is a request to remove late payments for past positive accounts, granted at the lender's discretion.
43What are public records on a credit report?
Public records include bankruptcies, tax liens, and judgments, which can impact your score significantly.
44How do I know if a credit repair company is legitimate?
Look for transparency, compliance with laws, and clear communication. We follow all industry regulations.
45Does credit repair remove inquiries?
Hard inquiries can only be removed if inaccurately reported; soft inquiries have no effect on your score.
46Is it possible to raise my score by 100 points?
It is possible in some cases, depending on individual credit factors.
47What is a secured credit card, and how does it help?
A secured credit card requires a deposit and can help build or rebuild credit with responsible use.
48Do you offer credit counseling?
Yes, we provide credit counseling to help clients understand and improve their credit profiles.
49What is a debt validation letter?
A debt validation letter is a request to verify that a debt is legitimate and belongs to you.
50How can I contact MaxYourCredit.com for credit repair services?
You can reach us via our website or phone to schedule a consultation and discuss your credit needs.
How Much Does Credit Repair Cost
Whether you need to protect your identity, monitor your credit score, or need full “Done-For-You” professional credit repair, including a positive tradeline – we have the plan to meet your needs.
30 Days Free Service – then $199/m (Automatically renews till canceled)
One-Time Payment $299 Credit Audit (Set Up Fee)
- Unlimited disputes with all 3 credit bureaus.
- Comprehensive credit report review to identify inaccurate personal information, highlight high-credit-utilization accounts, identify outdated or inaccurate items, and review accounts that can be made current.
- Cease & Desist letters and letters of reference.
- Debt payoff and budgeting system.
- Positive payment reporting and credit-building tradelines.
- Creditor interventions.
- Access to all 3 credit bureau reports and scores.
- Real-time account syncing and bill reminders.
- Personalized credit improvement plans to fix inaccurate information, raise and rebuild your credit score, and track progress through detailed consultations and training.
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