Enroll Today

Questions and Answers

Q & A

 
Q:  How much does this service cost?
A:  Credit Help USA offers affordable, personalized credit repair assistance tailored to each client’s individual needs. We provide pricing options for individuals and couples, along with flexible payment options. Contact us for a consultation to discuss your credit situation, our services, and the pricing options available to you.
 
Q:  Is this service legal?

A:  Yes, credit repair assistance is legal. Credit Help USA follows state and federal consumer protection laws, including the Fair Credit Reporting Act and the Credit Repair Organizations Act. We help people understand their credit reports, identify potentially inaccurate information, and navigate the dispute process. We don’t guarantee specific score increases or removal of accurate negative information.

 Q:  How long will it take to see results?
A:  Credit repair results vary depending on the person’s credit history and the information being disputed. Under federal law, credit bureaus usually have thirty days to investigate a dispute, though that can extend to forty-five days in some cases. Credit Help USA helps clients address potentially inaccurate credit reporting and monitor their progress throughout the process. Clients can review updates through their portal. While results and timelines can’t be guaranteed, we work diligently to help clients pursue accurate credit
 
Q:  May I apply for credit while this process in ongoing?
A:   Yes, you may apply for credit while the process is ongoing, but consider your financial goals and whether a new application is necessary. Applying can lead to a hard inquiry and affect your credit score, utilization, or debt-to-income ratio. If you’re preparing for a mortgage, check with your lender before opening new accounts or making big changes. We can help you understand how new credit activity may affect your reports.
 
Q:  Is it possible for a deleted item to be put back on  my reports?
A:  Yes, a previously deleted item can sometimes be reinserted into your credit report. Under the Fair Credit Reporting Act, a credit bureau generally cannot reinsert information that was previously deleted as inaccurate or unverifiable unless the information furnisher certifies that it’s complete and accurate. The bureau must notify you in writing within five business days after reinsertion. If a deleted item reappears, review your updated credit report and check whether you received the required notice. Credit Help USA can help you review the reporting and understand your options.
 
Q:  What type of items will come off?
A:  Credit Help USA helps clients identify and dispute inaccurate, incomplete, or unverifiable information on their credit reports. This may include collections, charge-offs, late payments, repossessions, and other negative accounts. Under the Fair Credit Reporting Act (FCRA), information that cannot be verified as accurate may be corrected or removed. Accurate negative information generally cannot be removed simply because it is unfavorable. Results vary, and deletions are not guaranteed.
 
Q:  How soon will my credit score improve?
A:  Your credit score may improve when inaccurate information is corrected or removed from your credit report, when credit card balances are reduced, or as you establish a positive payment history. The timing and amount of improvement depend on your credit history, payment history, credit utilization, and other factors. Credit bureaus generally have thirty days to investigate disputes, and some cases may extend to forty-five days. Credit Help USA provides personalized assistance and guidance throughout the process. Specific timelines, deletions, and credit score increases cannot be guaranteed.
 
Q:  What if I don’t receive information from the credit bureaus in the mail? 
A:  Credit Help USA monitors your credit repair progress through your credit monitoring service, with updated reports typically reviewed every thirty days. You can also track changes through your client portal. If you have questions about your progress or think you’re missing correspondence from a credit bureau, please contact our office so we can review your account and determine whether follow-up is needed.
 
Q:  Is there a guarantee?
A:  Credit Help USA is committed to providing professional, personalized credit repair assistance. We work diligently to identify and dispute inaccurate, incomplete, or unverifiable information on your credit reports. However, because every credit situation is different, we cannot guarantee specific deletions, credit score increases, or results. Our commitment is to provide honest communication, dedicated service, and guidance throughout the credit repair process. 
 

 Q. What is a “Credit Score?”
A.  A credit score is a three-digit number that helps lenders evaluate your creditworthiness. Your score is calculated using information from your credit report, including your payment history, credit card balances, length of credit history, and other factors. Credit scores typically range from 300 to 850, depending on the scoring model. Your score may vary between Experian, Equifax, and TransUnion because each bureau may have different information.

Q. What is a “Credit Report”?
A.  A credit report is a detailed record of your credit history maintained by credit reporting agencies such as Experian, Equifax, and TransUnion. It includes information about your credit accounts, payment history, outstanding balances, collections, and credit inquiries. Lenders use credit reports to help determine your creditworthiness when you apply for loans, credit cards, or other financing. Reviewing your credit reports regularly can help you identify errors and maintain healthy credit.

Q. How can I get a copy of my credit report?
A.  You can obtain a free copy of your credit reports from Experian, Equifax, and TransUnion by visiting AnnualCreditReport.com, the official website authorized by federal law. You can also access your credit reports through credit monitoring services. Credit Help USA can help you review your reports, identify potentially inaccurate information, and understand the steps you can take to improve your overall credit profile.

Q. What are the major credit bureaus, and are there others?
A.  The three major nationwide credit bureaus are Experian, Equifax, and TransUnion. However, other consumer reporting agencies also collect information that can affect your financial opportunities. LexisNexis Risk Solutions provides consumer reports used for identity verification, insurance, and other purposes. ChexSystems and Early Warning Services provide banking history information, while specialty tenant-screening companies may provide reports used by landlords when evaluating rental applications. Credit Help USA helps consumers understand their credit reports and identify inaccurate information that may need to be disputed.

Q. What types of information do credit bureaus gather?
A.  Credit bureaus collect information about your identity and credit history, including your name, address, date of birth, Social Security number, credit accounts, outstanding balances, payment history, and credit inquiries. Credit reports may also include certain public records, such as bankruptcies. Specialty consumer reporting agencies may collect additional information, including banking history, rental history, and insurance-related records. Understanding what information is reported can help you identify inaccuracies that may affect your financial opportunities.

Q. How does a credit bureau gather my personal information?
A.  Credit bureaus gather information from lenders, credit card companies, banks, collection agencies, and other businesses that report consumer credit activity. They may also obtain information from public records and other authorized sources. When you apply for credit or open an account, information about your identity, payment history, balances, and account status may be reported to the credit bureaus. Not all creditors report to all three major credit bureaus, which is one reason your credit reports may contain different information.

Q.  What does a credit bureau do with the information they gather?
A.  Credit bureaus collect, organize, and maintain information about your credit history to create consumer credit reports. They provide this information to lenders, creditors, and other businesses that have a legally permissible reason to access it. These reports help businesses evaluate credit applications, determine lending risks, and make certain financial decisions. Credit bureaus also investigate consumer disputes and must correct or remove information that is inaccurate, incomplete, or cannot be verified, as required by the Fair Credit Reporting Act (FCRA). Consumers have the right to review their credit reports and dispute information they believe is incorrect. 
 

Q.  What is meant by “Credit Repair”?
A.  Credit repair is the process of reviewing your credit reports, identifying inaccurate, incomplete, or unverifiable information, and disputing errors with credit reporting agencies and creditors. Credit repair may involve addressing incorrect late payments, collections, charge-offs, duplicate accounts, and other reporting inaccuracies. Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate information on their credit reports. Credit Help USA provides personalized credit repair assistance, consumer advocacy, and guidance to help individuals understand their rights and work toward a healthier credit profile. Accurate negative information generally cannot be removed simply because it is unfavorable. 

Q. What is  the “Fair Credit Reporting Act ”?
A.  The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers by promoting the accuracy, fairness, and privacy of information maintained by credit reporting agencies. It gives consumers the right to access their credit reports, dispute inaccurate or incomplete information, and have reporting errors investigated. Credit bureaus generally have 30 days to investigate disputes, although certain circumstances allow additional time. The FCRA also regulates who can access your credit information and how it may be used. Credit Help USA helps consumers understand and exercise their rights under the FCRA to address inaccurate credit reporting.

Q. Is it legal to seek 3rd party help in challenging information on my credit report?
A.  Yes. Federal law allows consumers to seek assistance from third-party credit repair organizations when challenging inaccurate, incomplete, or unverifiable information on their credit reports. The Credit Repair Organizations Act (CROA) regulates credit repair companies and provides important consumer protections. The Fair Credit Reporting Act (FCRA) also gives consumers the right to dispute inaccurate credit information themselves at no cost. Credit Help USA provides professional credit repair assistance to help consumers understand their rights, review their credit reports, and address potential reporting errors.

 Q.  Why are my scores different on Credit Karma than they are on Identity IQ?
A.  Your credit scores may differ between Credit Karma and IdentityIQ because scoring models, bureaus, and report update dates can vary. Credit Karma provides VantageScore 3.0 scores based on Equifax and TransUnion. Other services may use different scoring models or bureau data, and even when the model is the same, differences in the underlying reports or timing can result in different scores. Neither score is necessarily incorrect. Lenders may use different scoring models when evaluating applications for mortgages, auto loans, and other credit products.