Credit repair is a process that can take time. Although we aim to move your case along as quickly as possible, the credit bureaus, creditors, and collection agencies have up to 30 days to respond each time we contact them regarding your credit. However, on average, most clients utilize our service between three to eight months.
Should I continue paying my current monthly bills while going through the credit repair process?
Yes, continue to pay your current monthly obligations on time to avoid any further damage to your credit. Your payment history has a 35% impact on your credit score and missed payments will cause your credit score to decline.
If an item has already been charged off and has gone into collection status, avoid paying the account and consider the pay to delete method.
I was told that I can dispute my accounts online, should I do this?
Submitting your disputes online is convenient for the credit bureaus, but online disputes are a horrible idea if you want to maximize y chances of a successful dispute.
When you submit a dispute online, it goes into an expedited dispute resolution process, which is better known as “EDRP”. This may sound great, but the Fair Credit Reporting Act states that if a dispute is submitted online, the credit bureaus don’t have to comply with certain sections of the law. Typically, when an item comes back as “Verified,” you can request the “method of verification,” but if the account is disputed online, the credit bureau can ignore this part of the law. If you are looking for the best possible result, avoid disputing online.