Frequently Asked Questions
How long before I see results?
That’s a very common question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done. That’s actually one of the best parts of Crediteaze! — we look at you as an individual and build your own personal strategy accordingly. Your individual plan focuses on the areas that will make the most impact– and helps the Crediteaze! experts get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.
What if all my negative items are accurate?
Even if ALL of your negative items are accurate, there are more opportunities for change and growth than you might think.
Here’s why: Credit Bureaus report and sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions, and this is where the Crediteaze! experts come in. It’s their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus.
Is credit repair worth it? Why?
To know whether credit repair is worth it, you just need to look at what your credit impacts. Nowadays, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting a job, insurance coverage or even a cell phone. It can make even everyday needs and decisions more difficult.
When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at Crediteaze! working to help you tackle your credit issues will definitely pay for itself when it’s over and done with.
What is the Fair Credit Reporting Act and why was it created?
The Fair Credit Reporting Act (FCRA) is the act that regulates the collection of credit information and access to your credit report. It was passed in 1970 to ensure fairness, accuracy and privacy of the personal information contained in the files of the credit reporting agencies.
What are the 3 main credit bureaus?
A credit bureau – sometimes called a “consumer reporting agency” – is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.
Click here or more information on how these work.