How We Work

HOW LONG DOES YOUR SERVICE TAKE TO IMPROVE MY CREDIT?

We cannot guarantee your credit will be improved to the extent that you and Credit Team desire by a certain date. What we can do is inform you how long it has taken to restore previous clients’ credit. You might have the results you desire within the first five weeks. In some cases it takes longer.

ABOUT CREDIT REPORTING AGENCIES

Credit reporting agencies exist to serve the interest of their financial supporters (the creditors) first. They sell information contained in your credit file to potential credit grantors. This information will enable them to determine your ‘credit worthiness.’

There are three major credit reporting agencies: Equifax, Experian and Trans Union. They actively seek negative information on you relating to late payments, bankruptcies, liens, judgments, collections, etc. Inaccurate information might be entered on your report. Negative and inaccurate information can stay on a report for as long as 7 to 10 years. In the case of collections, agencies often sell and resell the account resulting in those negative entries remaining on your credit report for even longer.

We can help you organize an ‘Understanding what impacts your credit and why it’s important’ class for almost any size group. School, church, community organization, mortgage brokers, real estate, anyone interested in learning more about the ‘credit world’ and how to successfully improve your ability to use credit.