Frequestly Asked Questions
1. Can items negatively
affecting my credit be deleted?
It's not necessarily easy or foolproof, but the right to challenge and improve your credit is yours.
2.
What items can be deleted from my credit report?
* Inquiries
* Late Payments
* Collections
* Charge-offs
* Liens
* Judgments
* Foreclosure
* Bankruptcies
* Evictions
* Settlements
3. Can items negatively affecting my credit be deleted?
Most clients see an increased score within 30-45 days; however, it is inappropriate for our company or any other company to promise a particular result or a certain time frame. The progress of your case will depend on your timely participation (sending in credit reports on a timely basis), the nature of your case and the level of credit bureau cooperation.
4.
Is it possible for deleted items to reappear on my credit
report?
On occasion, a negative listing
that was recently deleted may eventually be verified by the creditor.
The FCRA makes it more difficult for credit bureaus to
re-report listings. Because of these factors, it is fairly rare for
listings to come back on once they've been deleted. After it has been
deleted two times, by law it can't be put back on your credit report.
If a questionable credit item is verified at a later point in time, we
will help you challenge the listing again.
5.
What do I do with the mail I receive from the credit bureaus?
It is extremely important that you forward via mail or faxed the most recent information from the credit bureaus. Anytime you get something from the bureaus make sure you send us a copy to keep your file up-to-date.