What is credit restoration and how does it work?

Credit restoration is a process where we dispute any misleading, inaccurate, incomplete, and unverifiable information being reported in your credit report. We request the credit bureaus and credit reporting agencies (CRAs) verify any information we requested.

Is credit restoration legal?

With identity theft at its highest, it is becoming very difficult for consumers to maintain great credit. That is why consumers are protected by certain laws that allow them to dispute certain items that can be inaccurate and it is in your complete right by law to do so.

Can you really remove items from my credit report?

We successfully challenge any inaccurate items on your credit report with the credit bureaus and (CA’s) with expertise tactics. The (FCRA) law gives the credit bureaus a period of no longer than 30 days to verify if the information is accurate. If the credit bureaus don’t provide the results of their investigation within the 30 days allowed then the information must be deleted!

How long will it take to see results?

It generally takes 30 to 45 days to see results but remember, no two credit reports are alike and results will vary from client to client depending on the nature of their case.

Frequently ask Questions - Maximum FICO SCORE

Frequently Asked Questions (FAQs) About Credit Repair

1. What is Credit Repair?

Credit repair is the process of identifying and disputing errors, inaccuracies, or negative marks on your credit report to improve your credit score. With the right tools and guidance, you can take control of your financial future.

2. How Can Credit Repair Help Me?

Credit repair can help by removing inaccurate or unverifiable information, such as:

Collections
Late payments
Charge-offs
Bankruptcies
Repossessions
This process can boost your credit score, enabling you to qualify for better interest rates on loans and credit cards.

3. How Long Does Credit Repair Take?

The time required for credit repair depends on your individual credit profile. Most clients begin seeing results within 30–90 days, but a complete resolution may take up to 6 months or more for complicated cases.

4. Can I Repair My Credit Myself?

Yes, you can repair your credit yourself by disputing errors with the credit bureaus. However, working with a professional credit repair service saves time and ensures that your disputes are handled effectively with proper documentation and legal expertise.

5. What Factors Affect My Credit Score?

Your credit score is determined by:

Payment history (35%): On-time payments are essential.
Credit utilization (30%): Keep your balances below 30% of your credit limits.
Length of credit history (15%): Older accounts help boost your score.
Credit mix (10%): A variety of credit types, such as loans and cards, is beneficial.
New credit inquiries (10%): Avoid multiple hard inquiries in a short time.

6. Will Credit Repair Remove Legitimate Negative Items?

No, legitimate and accurate information will remain on your credit report. Credit repair focuses on disputing inaccuracies, outdated items, or unverifiable data that may harm your credit score.

7. Does Credit Repair Guarantee a Specific Score Increase?

No credit repair service can guarantee a specific score increase. However, professional services aim to improve your credit score by addressing errors and providing personalized strategies for credit improvement.

8. How Does Maximum Fico Score Handle Credit Repair?

At Maximum Fico Score, we:

Analyze your credit reports from all three bureaus (Experian, Equifax, and TransUnion).
Identify inaccurate or negative items.
Send custom dispute letters to creditors and bureaus.
Offer ongoing support with personalized credit-building tips.

9. What Does Credit Monitoring Do?

Credit monitoring helps you track changes in your credit report, such as new inquiries, accounts, or changes in balances. This is vital for catching errors early and protecting against identity theft.

10. How Much Does Credit Repair Cost?

Credit repair costs vary based on the services provided. At Maximum Fico Score, we offer flexible packages tailored to your financial needs, starting at just $79.99 per month.

11. Will Credit Repair Hurt My Credit Score?

No, disputing errors on your credit report does not hurt your credit score. In fact, successful disputes can improve your score.

12. How Do I Get Started With Credit Repair?

Getting started is simple! Visit our website at www.maximumficoscore.com or call us at (insert phone number) for a free consultation.

13. Why Should I Choose Maximum Fico Score?

With years of experience and thousands of success stories, we pride ourselves on providing:

Comprehensive credit analysis.
Transparent, affordable services.
A dedicated team that works for your financial success.

14. Can You Help with Debt Settlement or Negotiation?

Yes, our team can assist with debt settlement by negotiating directly with creditors to reduce your debt, helping you save money and rebuild your credit.

15. How Do I Check My Credit Report?

You can access your free credit report once a year from AnnualCreditReport.com or through credit monitoring services offered by Maximum Fico Score.

16. Are Late Payments Removable?

If late payments are inaccurately reported, they can be disputed and potentially removed. Accurate late payments, however, will remain for up to 7 years.

17. Do You Offer Educational Resources on Credit?

Yes, Maximum Fico Score provides resources, tips, and webinars to help you better understand your credit and make informed financial decisions.

18. What Happens If I Stop Using Credit Repair Services?

If you cancel credit repair services, no further disputes will be made on your behalf. However, you can continue to monitor and manage your credit independently.

19. Can Credit Repair Help Me Qualify for a Mortgage?

Absolutely! Improving your credit score can help you secure a mortgage with lower interest rates, saving you thousands over the life of your loan.

20. How Can I Contact Maximum Fico Score?

You can reach us via:

Website: www.maximumficoscore.com
Email: support@maximumficoscore.com
Phone: 661-270-6560

Frequently ask Questions - Maximum FICO SCORE