F.A.Q

What is credit repair? Credit repair is the process of identifying, disputing, and resolving inaccuracies, errors, or unverifiable information on your credit report to improve your credit score.

 

Why is having a good credit score important? A good credit score is essential for accessing financial opportunities such as lower interest rates, higher credit limits, mortgage or loan approvals, and other financial benefits that help you save money and build wealth.

 

How long does credit repair take? The timeline varies depending on your credit situation. On average, most clients begin to see progress within 30 to 90 days. Full results can take anywhere from 6 months to a year, depending on the complexity of the issues.

 

Can all negative items be removed from my credit report? Not all negative items can be removed, especially if they are accurate and verified. However, inaccurate, outdated, or unverifiable items can often be challenged and removed.

 

What types of negative items can you remove? We can work to dispute:

● Late payments

● Collections

● Charge-offs

● Bankruptcies

● Foreclosures

● Judgments

● Tax liens

● Student loan defaults

 

Will disputing items on my credit report hurt my credit score? No, disputing items will not directly harm your credit score. However, as changes occur on your credit report, there may be fluctuations before improvements take hold.

 

Do I need to keep paying my bills during the credit repair process? Yes! It’s crucial to continue paying your bills on time during the credit repair process. Current payments impact your credit score significantly, and consistent payment history helps build a strong credit profile.

 

How can I check my credit score? You can check your credit score through free credit monitoring services, your bank, or by requesting your credit reports from the three major credit bureaus: Experian, Equifax, and TransUnion.

 

Do you guarantee results? While we strive for the best results and work hard to improve your credit, we cannot guarantee specific outcomes. Each credit report is unique, and results depend on the accuracy of the information being disputed.

 

What if the negative items return after being removed? If a negative item reappears, we will reassess and dispute it again if it remains unverifiable or inaccurate. The law protects you against unjustified or inaccurately reported items.

 

How much does your credit repair service cost? (Provide pricing details or clarify consultation processes, e.g., “Contact us for a free consultation to determine a plan tailored to your needs.”)

 

Can I repair my credit on my own? Yes, you can. However, the credit repair process requires in-depth knowledge of credit laws, patience, and effort. Hiring professionals like Ivy League Enterprise can save you time and increase your chances of better results.

 

What is the first step to repairing my credit? The first step is to schedule a consultation with us. We will review your credit reports, identify issues, and create a personalized action plan to meet your goals.