AZ Credit Repair

• How much does credit repair cost?
• Each program varies depending on each customer's individual needs. Every credit repair program requires a first work fee (approximately $100) and a monthly service charge (less than $100). All said and done it is very possible to repair credit for a few hundred dollars.

• How long will my credit repair program take?
• It is incorrect to give a general time frame as each program varies by the individual. However, that being said most clients see progress and positive results in 30 to 60 days. Our clients that are engaged can typically remove 26% of their negative items within 90 days and 85% after 12 months.

• Will the items removed from my credit report come back?
• On average only 1 out of 10,000 will re-appear on your credit report. The law states that after an account is removed twice it cannot be put back on your credit report.

• What can a credit repair company take off of my credit?
• In addition to all derogatory and unverifiable accounts, a credit repair company can help remove old addresses and incorrect names.

• Who are the three Credit Bureaus?
• Experian, Transunion, Equifax/CSC Credit Services

• How long is information retained on my credit report?
• The credit information period is typically 7 years; however, bankruptcy is reported for 10 years.

• When I pay off my bills does it repair my credit?
• Unfortunately paying old debt does not remove the delinquent item from your credit report. Actually doing so re-ages the item and the seven year clock starts over again. Did you know from a credit reporting standpoint, a paid current negative listing is not better than an unpaid negative listing?

• Who can access my credit report?
• Anyone who wants the information for a business transaction between you and them.

• Why should I use a credit repair company?
• It is the same reason you consult a lawyer for legal advice. The experts are available to be utilized at a low cost for providing a service that could potentially change your life.

• Can I repair my own credit?
• Yes, you have the legal right to dispute incorrect items on your credit report without hiring an attorney.

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