Find quick answers to common questions about credit repair, our process, and what to expect when working with Credit Boost Int'l LLC.
Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports. We work with credit bureaus, creditors, and collection agencies on your behalf to remove negative items that are hurting your score. This is done through formal dispute letters following the Fair Credit Reporting Act (FCRA) guidelines.
Most clients begin seeing results within 30-60 days, with significant improvements typically occurring within 3-6 months. The timeline depends on the complexity of your credit situation and the number of items being disputed. Credit bureaus have 30-45 days to investigate each dispute, so patience is key to achieving the best results.
Yes! Credit repair is 100% legal and protected by federal law. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate or unverifiable information on their credit reports. We follow all legal guidelines and regulations to ensure ethical and compliant credit repair services.
Our pricing is transparent and competitive. We offer flexible payment plans to fit your budget, with no hidden fees. Contact us for a free consultation and personalized quote based on your specific credit situation. We believe quality credit repair should be accessible to everyone.
While we cannot guarantee specific results (and be wary of any company that does), we can promise to work diligently on your behalf using proven strategies. Our track record shows that 98% of our clients see improvements in their credit scores. We only dispute items that are inaccurate, unverifiable, or unfair according to FCRA guidelines.
Yes, you can dispute items on your own. However, credit repair companies have expertise in knowing which items to challenge, how to properly document disputes, and how to navigate complex credit laws. We save you time, reduce stress, and often achieve better results due to our experience and resources. Think of us as your credit repair advocates.
To begin, we'll need your basic contact information, social security number (securely encrypted), and copies of your current credit reports from all three bureaus (Equifax, Experian, and TransUnion). We can help you obtain these reports if you don't already have them. All information is kept strictly confidential.
No, legitimate credit repair will not hurt your score. In fact, as negative items are removed or corrected, your score will improve. Our disputes don't generate hard inquiries, and we only challenge items that are inaccurate or unverifiable. The goal is always to improve your credit profile, not harm it.
We can potentially remove or correct various negative items including:
We provide regular monthly updates on your credit repair progress, including any items that have been removed or updated. You'll also receive notifications whenever we receive responses from credit bureaus or creditors. Our client portal allows you to track progress in real-time 24/7.