{"id":15,"date":"2020-10-23T18:45:16","date_gmt":"2020-10-23T18:45:16","guid":{"rendered":"https:\/\/restoreyourcredit-llc.com\/faq"},"modified":"2020-11-16T01:43:44","modified_gmt":"2020-11-16T01:43:44","slug":"faq","status":"publish","type":"page","link":"https:\/\/restoreyourcredit-llc.com\/faq","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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FREQUENTLY ASKED QUESTIONS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWho can see my scores?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Our credit service specialists are the only ones who will see your credit reports.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow do you restore bad credit?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Once we have your credit reports, we then dispute the questionable items to the credit reporting agencies, and creditors\/lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time is removed.<\/p>

Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it\u2019s actually not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another. Making it a very time consuming and frustrating task.<\/p>

After we dispute your negative credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you\u2019ll send us the updated version of your credit report, so we can continue disputing the remaining negative items.<\/p>

Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative item is removed<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Every client is different, but generally you can expect to start seeing some progress in 3 months, and a significant improvement in 6 months. Credit repair is a process and although we work quickly to repair your credit we can only move at the credit reporting agencies, court houses, and creditors pace.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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The Fair Act Credit Act and the FACA gives the consumer the right to ask the Credit Bureaus to prove their reports, regardless of being accurate or not. Disputing your credit report is your right according to the Fair Credit Reporting Act and FACT act. Credit repair is a completely legal and necessary service. We hold the credit reporting agencies accountable. Simple as that. Whether the Bureaus decide to investigate, is their issue, the law states that they have to remove the items if they can not prove it. The Credit Bureaus admit that errors occur on consumer reports, but they do little to correct them, instead they rely on a pro-active consumer to dispute these errors. You can dispute these negative items on your own, or you can choose to hire someone to do the disputing for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is a Credit Score<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Your credit score is a number that is calculated\u00a0based on your credit history\u00a0such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt. \u00a0Your credit score can be between\u00a0330 – 850.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is included in the free consultation?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined. \u00a0This is also a great opportunity to ask questions. \u00a0If you choose not to use our services after your free consultation you are not liable for any charges.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Your privacy is important to us, which is why Restore Your Credit will not share, sell, or transfer your personal information to any unaffiliated companies or third parties. We have strict privacy policies in place that all employees of Restore Your Credit must follow.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Each credit bureau has access to different information<\/strong>. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don\u2019t have a collection on one report doesn\u2019t mean it doesn\u2019t exist if another bureau is reporting that collection.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Let's get started today with a Free Evaluation!<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\tSign Up Today!<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

FREQUENTLY ASKED QUESTIONS Who can see my scores? Our credit service specialists are the only ones who will see your credit reports. How do you restore bad credit? Once we have your credit reports, we then dispute the questionable items to the credit reporting agencies, and creditors\/lenders on your behalf. Any information the agencies or […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/pages\/15"}],"collection":[{"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/comments?post=15"}],"version-history":[{"count":0,"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/pages\/15\/revisions"}],"wp:attachment":[{"href":"https:\/\/restoreyourcredit-llc.com\/wp-json\/wp\/v2\/media?parent=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}