FREQUENTLY ASKED QUESTIONS?
Answers to All Your Queries
Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies rarely keep an accurate account of consumers credit profile. Therefore they require you to navigate a complicated systems and send a series of formal dispute letters in order to fix your credit.
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To make credit repair easier, Heaven Solutions can identify and challenge questionable items on your behalf. Using our extensive knowledge and experience we can fast track your success.
Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report.
Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit.)
IS CREDIT REPAIR LEGAL?
Yes, credit repair is Legal & we use the law in your favor. That Law is called "the Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that nearly 8 out of 10 credit reports contain error. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
CAN YOU REMOVE ANYTHING FROM MY CREDIT REPORT?
We can only fight to remove any items that fall under the guidelines of the FCRA. These items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.
HOW LONG DOES CREDIT REPAIR TAKE?
Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. We help thousands of people each year work to repair their credit, and typically they’ve stayed with us for six months. With our team of professionals and credit monitoring software our removal process is streamlined to get you results.
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Our average client uses our service for
6 months. While every credit situation is different, we do everything we can to make the process faster and more efficient.
HOW MANY ACCOUNTS DO YOU CHALLENGE AT ONE TIME?
We can challenge as many as you want. We have in depth response tracking system that allows us to monitor challenges every step of the way.
WHAT WILL I GET WHEN I SIGN UP FOR THE PROGRAM?
When you sign up for the monthly program, we will help you raise and rebuild your credit score while removing inaccurate information from your credit report.