Questions & Answers
Find answers to your credit repair questions.
Credit repair is the process of improving your credit score by correcting errors on your credit report and adopting responsible financial practices. It is important because a good credit score can open doors to lower interest rates and financial opportunities.
Repairing your credit in the U.S. involves reviewing and disputing inaccurate information on your credit report, responsibly managing your current debts and following good financial practices. CCS can provide expert guidance in this process.
The cost to repair credit varies depending on the complexity of your credit situation and the service provider you choose. At CCS, we offer competitive rate plans and transparency in our fees. Visit our pricing page so you can select a package that fits your budget.
A credit repair company cannot erase accurate and legitimate information from your credit history. However, they can help you correct errors and dispute inaccurate information. Improving your credit takes time and effort, but it is possible with the right strategies.
Yes, credit repair can work in many cases. It involves disputing errors or inaccurate information on your credit report and taking steps to improve your credit health. However, it cannot remove accurate and legitimate information from your report. It is important to work with a reputable credit repair company or follow a knowledgeable process for positive results.
You can clean up your credit in the United States for free by disputing errors on your own through the credit reporting agencies. Each of the three major bureaus (Equifax, Experian and TransUnion) offers a free copy of your credit report once a year on the official website AnnualCreditReport.com. You can also dispute errors directly with them at no cost.
The time it takes to raise your credit score depends on several factors, including the severity of the problems on your credit report and the actions you take to improve it. You can usually see improvements within a few months, but full recovery can take several years.
Immediately, you will be scheduled for an appointment with a FICO credit analyst, who will proceed to analyze your credit report to find out what items are in dispute and begin to see improvements in your credit.
Each credit report is different and therefore, the process varies. Some clients take a few months and others take longer, as it depends on your current credit situation, the number of items and how far you want to go. However, as the law requires, you will receive the first results of the work we have done within 30 to 45 days.
We are a nationwide organization and work with all states. The call center is located at 1309 Coffeen Avenue, STE 4645, Sheridan, WY 82801.
We have been helping people improve their situation for over 10 years. We are certified by the International Association of Professional Debt Arbitrators (IAPDA). In addition, our service agreement defines the program, responsibilities and we give you access to our online portal where you can monitor your process, so all of our work is totally transparent.”
Any negative marks such as Accounts Receivable, Foreclosed Vehicles, Old Accounts, Bankruptcies, etc.
Yes, inquiries are part of your credit history and affect your credit scores. We can dispute questionable and excessive inquiries.
Results have shown that foreclosures have been extremely difficult to remove from credit reports if they are recent. If you have recently been foreclosed upon, we recommend that you wait 6 months before addressing the problem to increase the likelihood of a positive outcome.
In the first cycle, we dispute with the credit bureaus; once this is done, they will be required to investigate the account directly with the creditors and send us the results within 30 to 45 days. In the second cycle, we will dispute the verified items directly with the creditors and collection agencies, which are bound by the same federal laws to which the credit bureaus are held
Of course we can! We are experts in the field and will strategically guide you through the process of rebuilding your credit. If you want to one day achieve a score of 720+ you need to start with a solid foundation.
We evaluate the negative items that can be eliminated and proceed to send the respective dispute letters to each Credit Bureau. Each case is treated individually based on what is negative on your Credit Report.
Yes, credit enhancement is legal if you follow the guidelines of the Fair Credit Reporting Act and the Credit Repair Organizations Act, which state that you have the right to dispute any inaccurate information on your report by contacting the credit bureau directly.
No one in this business can guarantee that, but we are confident that with time and perseverance we can eliminate most of the negative items that affect your credit. We are very confident that your credit will improve; we back our service with a 100% guarantee.
We offer you full transparency. We will provide you with an online portal where we will show you the results obtained so that you will know where you are in the process at all times and you will be able to see all the elements that have been changed, updated or removed.
Debt management is often referred to as consumer credit counseling services, debt consolidation or debt settlement. That’s not what we are. Essentially, debt management companies are in charge of your debts. We, on the other hand, are in charge of your credit. We are here to help eliminate questionable negative information.
Credit repair is the process of improving your credit score by correcting errors on your credit report and adopting responsible financial practices. It is important because a good credit score can open doors to lower interest rates and financial opportunities.
Repairing your credit in the U.S. involves reviewing and disputing inaccurate information on your credit report, responsibly managing your current debts and following good financial practices. CCS can provide expert guidance in this process.
The cost to repair credit varies depending on the complexity of your credit situation and the service provider you choose. At CCS, we offer competitive rate plans and transparency in our fees. Visit our pricing page so you can select a package that fits your budget.
A credit repair company cannot erase accurate and legitimate information from your credit history. However, they can help you correct errors and dispute inaccurate information. Improving your credit takes time and effort, but it is possible with the right strategies.
Yes, credit repair can work in many cases. It involves disputing errors or inaccurate information on your credit report and taking steps to improve your credit health. However, it cannot remove accurate and legitimate information from your report. It is important to work with a reputable credit repair company or follow a knowledgeable process for positive results.
You can clean up your credit in the United States for free by disputing errors on your own through the credit reporting agencies. Each of the three major bureaus (Equifax, Experian and TransUnion) offers a free copy of your credit report once a year on the official website AnnualCreditReport.com. You can also dispute errors directly with them at no cost.
The time it takes to raise your credit score depends on several factors, including the severity of the problems on your credit report and the actions you take to improve it. You can usually see improvements within a few months, but full recovery can take several years.
Immediately, you will be scheduled for an appointment with a FICO credit analyst, who will proceed to analyze your credit report to find out what items are in dispute and begin to see improvements in your credit.
Each credit report is different and therefore, the process varies. Some clients take a few months and others take longer, as it depends on your current credit situation, the number of items and how far you want to go. However, as the law requires, you will receive the first results of the work we have done within 30 to 45 days.
We are a nationwide organization and work with all states. The call center is located at 1309 Coffeen Avenue, STE 4645, Sheridan, WY 82801.
We have been helping people improve their situation for over 10 years. We are certified by the International Association of Professional Debt Arbitrators (IAPDA). In addition, our service agreement defines the program, responsibilities and we give you access to our online portal where you can monitor your process, so all of our work is totally transparent.”
Any negative marks such as Accounts Receivable, Foreclosed Vehicles, Old Accounts, Bankruptcies, etc.
Yes, inquiries are part of your credit history and affect your credit scores. We can dispute questionable and excessive inquiries.
Results have shown that foreclosures have been extremely difficult to remove from credit reports if they are recent. If you have recently been foreclosed upon, we recommend that you wait 6 months before addressing the problem to increase the likelihood of a positive outcome.
In the first cycle, we dispute with the credit bureaus; once this is done, they will be required to investigate the account directly with the creditors and send us the results within 30 to 45 days. In the second cycle, we will dispute the verified items directly with the creditors and collection agencies, which are bound by the same federal laws to which the credit bureaus are held
Of course we can! We are experts in the field and will strategically guide you through the process of rebuilding your credit. If you want to one day achieve a score of 720+ you need to start with a solid foundation.
We evaluate the negative items that can be eliminated and proceed to send the respective dispute letters to each Credit Bureau. Each case is treated individually based on what is negative on your Credit Report.
Yes, credit enhancement is legal if you follow the guidelines of the Fair Credit Reporting Act and the Credit Repair Organizations Act, which state that you have the right to dispute any inaccurate information on your report by contacting the credit bureau directly.
No one in this business can guarantee that, but we are confident that with time and perseverance we can eliminate most of the negative items that affect your credit. We are very confident that your credit will improve; we back our service with a 100% guarantee.
We offer you full transparency. We will provide you with an online portal where we will show you the results obtained so that you will know where you are in the process at all times and you will be able to see all the elements that have been changed, updated or removed.
Debt management is often referred to as consumer credit counseling services, debt consolidation or debt settlement. That’s not what we are. Essentially, debt management companies are in charge of your debts. We, on the other hand, are in charge of your credit. We are here to help eliminate questionable negative information.
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By working together, we can help you reach your financial goals and achieve a healthy credit score.
Feel free to contact us if you have any questions or need additional assistance at any time!
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