Credit repair is the process of improving an individual's credit score by addressing and resolving inaccuracies, errors, or outdated information on their credit report. Credit repair companies review credit reports, identify negative items, and then dispute them with the credit bureaus on behalf of the customer.

Credit repair companies can assist in resolving errors and inaccuracies on your credit report, which may lead to an improvement in your credit score. However, the extent of the improvement will depend on the specific situation and the accuracy of the negative items disputed.

The credit repair process duration can vary depending on the complexity of the individual's credit report and the number of items that need to be disputed. It can take anywhere from a few weeks to several months.

Credit repair companies can typically assist with removing inaccuracies, such as incorrect late payments, duplicate accounts, inaccurate balances, charge-offs, bankruptcies, student loans, auto-repossessions, foreclosures, hard-inquiry, and outdated information from your credit report.

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) protects consumers' rights to dispute inaccurate information on their credit reports.

Credit repair costs can vary among companies. Some companies charge a one-time fee, while others have monthly payment options. It's essential to inquire about pricing and understand the services included in the package. We strive for affordability and always have monthly specials.

Legitimate credit repair companies do not guarantee specific outcomes or credit score improvements. Results may vary based on individual credit history and the accuracy of the information disputed. However, we do guarantee we will do our best to help you achieve your credit goals and desired outcome.

You have the option to attempt credit repair on your own, but it can be complex and time-consuming. Credit repair companies offer expertise and experience in handling credit disputes.

The credit repair process itself should not negatively impact your credit score. However, if accurate negative items are removed, there could be a temporary change in your score.

Reputable credit repair companies will provide regular updates on your progress through various channels, such as email, phone calls, or an online portal. We are available during business hours 9am-7pm Monday through Friday and frequently after hours via text here (626) 609-7230.

You'll need to provide identification documents and any relevant information about the inaccurate items on your credit report.

Valid driver's license

Social Security card

Pay stub

W2 form

1099 form

Court documents for legal name change

Birth certificate

Passport

Marriage certificate

Divorce decree

State ID

Military ID

AND one item to validate address such as:

Valid driver's license

Utility bill with the correct address (gas, water, cable, residential phone bill)

Cell phone bill

Pay stub

W2 form 1099 form

Rental lease agreement/house deed

Mortgage statement

Bank statement

State ID

There are some potential risks, such as false promises, scams, or unethical practices from disreputable credit repair companies. It's essential to research and choose a trustworthy company.

Improving your credit score through credit repair may increase your chances of qualifying for better loan terms and interest rates, but it's not guaranteed.

A reputable credit repair company should be able to explain what makes their services unique, such as their experience, success rate, customer reviews, or additional resources offered.

Legitimate credit repair companies often have success stories or testimonials from satisfied customers. Please follow us on Instagram and we are always referencing success stories of our clients credit score increases.

We provide you with a client portal upon request and we give regular updates on the status of your credit disputes. You may also Track your progress at https://www.identityiq.com/creditpreferred.aspx?offercode=431279CU

Credit repair companies should only dispute inaccurate or unverifiable items on your credit report. They should not attempt to remove legitimate negative items.

We focus on resolving inaccuracies unverified accounts which will indirectly help you build positive credit history by ensuring your credit report reflects accurate information. We also have a list of credit building credit cards upon request.

Please let us know if you are dissatisfied and we will find other measures to resolve the matter quickly if for whatever ever reason we couldn't resolve the issue after we we may be able to help you other ways. There is always a way for credit scores and credit reports to get corrected.

We offer credit education resources, financial coaching, or tools to help you maintain a good credit score after the credit repair process is complete.