There are a total of 3 credit bureaus you need to concern yourself with: Equifax, Experian, and TransUnion. There may be a other smaller credit bureaus that collect your data, but you will likely never need to communicate with them.
However, even with a high level of customer satisfaction, we cannot guarantee that we will be able to fix every item on your credit report---and you should be wary of any company that says they can. A great credit repair company is like a great attorney: they cannot guarantee you a win, but they have a high win rate that speaks for itself.
Nevertheless, our guarantee is that we will do our best to fix all items we agreed to fix. If we are unable to successfully dispute any items, you will not be charged for them.
You will receive a phone call about once a month from one of our representatives, who will go over the current status of your file. Additionally, if you have provided us with an email address, you will receive a status report each time there is an update on your file.
You are also welcome to contact our office or your assigned consultant at any time to inquire about your status.Click here to view a sample of an emailed status report.
Your credit history is the single most important portion of your credit profile. In fact, it alone accounts for one-third of your credit score calculation.
What is credit history? It is a detail of all financially-related activities you’ve had in the past. This includes, but is not limited to:
- Your credit card spending habits, to a certain degree.
- How consistent you are in paying your credit card bills.
- How much you have borrowed to purchase a car.
- How consistent you are in paying your car note each month.
- If you’ve ever had your car repossessed.
- How much you have borrowed to purchase a home.
- How consistent you are in paying your mortgage each month.
- If you’ve ever had your home foreclosed.
- If you owe any money outside of what you’ve borrowed (i.e. child support, tax liens, etc).
- … and much more.
As you can see, your credit history can tell a lot about who you are in terms of finances. It is a very reliable source of data for a creditor to use in deciding whether or not to lend you money.