Frequently Asked Questions

Credit is the ability to borrow money or access goods and services with the understanding that you'll pay later. It's based on your creditworthiness and payment history.

A credit score is a 3-digit number that reflects your creditworthiness, typically ranging from 300 to 850. It's used by lenders to determine your eligibility for credit and the terms you'll receive.

Generally, a score above 700 is considered good. 740+ is very good, and 800+ is excellent. Good credit opens doors to better interest rates and loan terms.

A score below 580 is considered poor credit. This can make it difficult to qualify for loans, credit cards, or favorable interest rates.

Late payments, high credit utilization, charge-offs, collections, bankruptcies, and frequent credit applications can all negatively impact your score.

Pay bills on time, keep credit utilization low (under 30%), dispute inaccuracies on your credit report, avoid applying for too many accounts at once, and maintain old credit accounts.

The three major credit bureaus are Equifax, Experian, and TransUnion. Each maintains your credit report and may have slightly different information.

Credit repair typically takes 3-6 months to see significant improvements, though some changes can occur within 30-60 days. The timeline depends on the complexity of your situation and the number of items being disputed.

No, accurate negative information cannot be legally removed before it expires naturally (typically 7 years). Credit repair focuses on removing inaccurate, outdated, or unverifiable information.

Our Credit Boost Starter package is $597, our Full Credit Restoration is $997, and our Couples Package is $1,497. We offer comprehensive services with no hidden fees.

Our services include comprehensive credit report analysis, dispute letter preparation and filing, creditor negotiations, ongoing monitoring, and personalized credit improvement strategies.

Yes, we stand behind our work. If we cannot improve your credit score within 90 days, we'll refund your money. Your satisfaction is our priority.

Typically 620+ for conventional loans, though FHA loans may accept scores as low as 580. Better rates and terms come with scores of 700+.

Many lenders accept scores of 600+, but the best rates typically require 700+. Lower scores may still qualify but with higher interest rates.

Often 600+ for approval, but rates improve significantly above 700. Personal loans typically have higher standards than secured loans.

Employers can check credit reports (not scores) with your permission. This is more common for financial roles, government positions, or jobs handling money.