Frequently asked questions (FAQ)
WHAT HAPPENS IF NEW, NEGATIVE INFORMATION – INFORMATION THAT WAS NOT ON MY ORIGINAL REPORT – IS ADDED TO MY CREDIT REPORT AFTER THE REPAIR WORK HAS BEGUN?
We will work on the new negative information in your credit report as long as you are an active client.
DOES PAYING OFF MY BILLS REPAIR MY CREDIT?
You would think that this would be true. But again, the credit reporting system just doesn’t work that way. When you pay an old debt, the negative credit listing doesn’t disappear. And, the most ironic thing is that a paid, current negative listing is not much better than an unpaid negative listing. Paying an old negative debt will not erase the fact that at one point you were not paying as agreed. This may sound strange, but in some cases you won’t get much further (credit wise) by paying off an old negative debt.
ARE CREDIT REPORTS ALL THE SAME?
No. Each of the three reporting companies’ reports look different and may not contain the same information. The companies maintain their own databases and do not often share information.
HOW LONG DOES THE RESTORATION PROCESS TAKE?
It will take 2 months to see your first results, and then the credit reports should progressively get better every 90 days thereafter. The total length of your case will be determined by how many negative items you have on your credit report to begin with. See our charge on our Costs Page.
WHO WILL REMOVE ITEMS FROM MY CREDIT REPORTS?
Only the creditors have the power to remove items from your credit report. But, as required by law, the credit reporting agencies must delete inaccurately reported information.
WHO CAN REQUEST INFORMATION ABOUT MY CREDIT FILE?
Under the Fair Credit Reporting Act, a credit reporting company may only disclose your credit report if someone is: a. Granting credit, reviewing your account, or collecting on your account. b. Reviewing you for employment purposes. c. Reviewing your application for insurance. d. Reviewing your eligibility for a license or government-related benefits. e. Providing information for a business transaction, such as renting an apartment. f. A court order. g. An IRS subpoena. h. Someone to whom you have given written permission.
WHY SHOULD I CARE WHAT IS IN MY CREDIT REPORT?
You’d better care. It is your credit report that creditors use to determine if they will extend credit to you. If you have negative information on your report, you may be turned down for the loan you need, or pay unnecessarily high interest rates.
HOW OFTEN ARE ERRORS MADE WHEN CREDIT BUREAUS REPORT INFORMATION?
Frequently! A recent study by the U.S. Public Interest Research Group has documented that there is a 79% error rate with credit reports.
HOW CAN CREDIT REPORTS BE LEGALLY REPAIRED?
Credit bureaus are required to follow procedures to ensure maximum possible accuracy before they can legally place any items on a credit report. In many cases they do not do this. Also, any company that furnishes information to a credit bureau about you must be able to substantiate those comments with proper documentation. In many cases this cannot be done as well. We request, on behalf of our clients, that the credit bureaus and furnishers re-verify their claims of accuracy and compliance. Once an error is identified, the item must be removed. Under the Fair Credit Reporting Act and select state laws, you are protected by your right to dispute information.
WHO ARE THE CREDIT BUREAUS?
There are three major credit bureaus: Experian (formerly TRW), Equifax and TransUnion. Each of these bureaus are FOR PROFIT organizations and are NOT government related. They make money by gathering personal, public and credit information about you and selling it to others.

What our clients say

"These guys actually works, I've came in with a credit score of 550 now my credit score is 676 after only 6 months. My interest rates are low on my new car thanks guys."
Benjamin Rawlings
Dive Bar
"I trusted these guys to help me get into a new house and after 5 months I got approved for a home loan… We have been living in our new house for around 4 months… Thank you Credit Dispute Clouds I really appreciate it."
Lorraine Bowman
Lorri's Tax Service, Inc.
"These guys help my business and my personal credit. I'm glad I trusted these guys."
George W. Strauch
Glass Doctor of Ramsey
"My friend referred these guys to me and i thank her all the time. these guys really made me feel like family. every time had a question they answered and made sure that i understood everything."
Kathryn Dager
Profitivitity Inc.
"These guys brought my credit score up 60 points and 6 months i just bought a house."
William Dortch
Bill's Woodworks