Credit Repairing Process
1. How often should I receive letters from the credit bureaus?
Every 36 to 45 days after the dispute, you will get the latest credit report.
2. What should I do with the postal credit reports obtained from the credit bureaus?
Keep these documents for records and track negative inaccuracies in the report.
3. What can I delete from my credit reports?
Through our document service, credit scanning or credit repair service, you can cancel unpaid collections, write-offs, recovery, bankruptcy, medical bills, foreclosures, tax liens, civil liens, judgments, students Loans, credit card debts, inquiries, late payments, old addresses and all incorrect names.
4. Will the negative information I deleted from the credit bureau report come back?
When we delete negative information, on average only 1 in 10,000 will reappear on your credit score.
5.Who are the three credit bureaus?
Experian，Transunion and Equifax.
6. How long does the information in my credit reports last?
The information from credit bureau reports last seven years. Some states have special rules on collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 bankruptcy reports last for 10 years, the date is calculated from the date of submission.
7. Why doesn't the credit bureau want me to use a credit repair company?
The credit bureau will tell you that it will be easier and cheaper to do this. Although you have the right to repair your credit on your own, many people do not have enough time, experience and organizational skills to deal with bureaucracy.
8. How long does it take ABC Credit Service's credit scanning service to check my credit score?
You will receive the results within 24 hours after registration, and our specialist will analyze your report for you.
9. How long does the document service of ABC Credit Service take to repair my credit score
We will send out dispute letters every 30-45 days.
10. How long does it take for ABC Credit Service's credit repair service to repair my credit score?
There is no clear answer, because the time varies according to the initial credit status of each customer. It takes an average of 90 to 180 days to repair your credit, as long as you prepare the files and follow each step.
11. Will paying my bills repair my credit?
The credit reporting system does not work. When you pay for old debt, the negative credit list will not disappear. In fact, it will age again, and the seven-year clock will start again with a negative list. The most ironic thing is that when paid, the current negative listings are no better than unpaid negative listings.
12. How does the credit bureau make money?
The credit bureau is a commercial enterprise. It makes money by selling your credit report to others. People with bad credit mean they have more business because such people apply for loans ten times more credit than people with good credit.
13. Who can see my credit report?
Anyone who wants information about your business transactions can get your credit report. This may include insurance companies, future landlords, future employers, collectors or government officials.
14. Why should I use ABC Credit Service？
The most common reason is that individuals have tried with limited results, or they do not have time to do it themselves. If you decide to use us, you can rest assured that you will get the best help and service.
15. How does ABC Credit Service legally repair my credit score?
It is your right to dispute your credit report. Credit restoration is as legal as defending “innocent” in court. (All steps must be followed to complete the result)