Frequently Asked Questions

We at The Credit Team are passionate about helping you understand the importance of credit. Lack of knowledge can lead to financial challenges, so we encourage you to learn and grow with us. For any additional questions, our specialists are available via our chat feature to provide personalized assistance.

What are the costs of your services?

Each of our program’s costs is thoroughly detailed on the Programs page.

How can I track my progress?

You will have access to an online account page where you can monitor your progress.

Is it possible to repair my credit on my own?

Yes, it's your right and responsibility to manage your own credit. The government has laws like the Fair Credit Reporting Act to help you. We’re here to assist if you prefer professional help.

Can hard inquiries be removed from a credit report?

Our specialists can review your credit report to determine which inquiries may be eligible for removal.

Do you just send out mass dispute letters and hope for the best?

No. Credit bureaus and creditors handle millions of disputes. We tailor each dispute to your specific situation.

How can bad credit be legally repaired?

You have the right to dispute inaccurate information on your credit reports. We help you exercise this right under the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and Fair Debt Collections Practices Act (FDCPA).

Can I apply for new credit while using your service?

Yes, but be aware that new inquiries can impact your credit score.

How long do charge-offs stay on a credit report?

A charge-off will stay on your credit report for a maximum of seven years. This period starts from the date your account was first marked as seriously delinquent, not when the charge-off was officially reported.

Do I need to pay my bills?

Yes. Maintaining good payment habits is crucial for credit repair success. New negative items will hinder our efforts.

Can late payments be removed from my credit report?

While accurate late payments typically remain on your credit report for seven years, we can help you identify and dispute any incorrect late payments that may be affecting your credit score.

Can deleted items reappear on my credit report?

While uncommon, it's possible for a previously removed negative item to reappear on your credit report. Creditors can re-verify information after a dispute, and if accurate, the item might be reinstated. The Fair Credit Reporting Act requires credit bureaus to notify you if this happens.

Can a repossession be removed from a credit report?

You may be able to remove a repossession through dispute or negotiation with the creditor. You can only file a dispute if something is inaccurate. You could dispute a repossession that is completely accurate, but that doesn’t mean the repo will get removed.

Can a foreclosure be removed from a credit report?

There are specific circumstances under which a foreclosure might be removed earlier than expected.

Is it possible to negotiate a collection account?

Yes, you can try to negotiate with the creditor or debt collector to have the collection removed from your credit report. This is often referred to as a "goodwill deletion."

How are judgments collected?

If you have a judgment against you, the plaintiff can collect the money through methods like wage garnishment or putting on a lien on your home.

How long does bankruptcy stay on your credit report?

The length of time a bankruptcy remains on your credit report depends on the bankruptcy chapter. Chapter 7 bankruptcies typically stay for 10 years, while Chapter 13 bankruptcies remain for 7 years.

Can bankruptcy be removed from your credit report?

Unfortunately, removing a bankruptcy from your credit report is typically impossible. It will stay on your report for either seven or ten years, depending on the bankruptcy type. The only exception is if the bankruptcy was reported incorrectly.