You've got questions. We've got answers.
Credit repair is a no joke, and we want to be as transparent as possible with what CreditRepair.com can and cannot do. Here’s a list of some common questions, but if you can't find what you’re looking for, don’t hesitate to reach out through email by contacting firstname.lastname@example.org
There are five different factors that affect a FICO® Score, and knowing exactly which factor prevails in any given situation is a science that FICO® keeps proprietary. Because of this, it is possible (and somewhat common) for your FICO® Score to slightly decrease initially. But don't worry, the removal of negative items pretty much always has a positive effect on your FICO® Score in the long term. For example, let's say a 60-day late payment that appeared on your credit report for five years is removed. While your score may go down initially because your credit history length has decreased, it will likely bounce back as that negative mark is no longer influencing your score.
No, our credit score and report pulls do not impact your score. There are two types of credit inquiries: hard inquiries and soft inquiries. A hard inquiry is when a prospective creditor pulls your score with the intent to qualify you for a loan. Hard inquiries will hurt your score. We use a soft inquiry to obtain your credit score and reports, which will never hurt your score.
Of course. If at any time you feel our service is no longer a good option for you, you can cancel. In this case, we'll charge you a prorated amount for the work completed up to that point, rather than hitting you with an entire month's fee.