Question 1

What is a credit score and how is it calculated?

Accepted Answer

Your credit score is a numerical snapshot of your creditworthiness. FICO weighs five categories: payment history (35%), amounts owed/utilization (30%), length of credit history (15%), credit mix (10%), and new credit (10%).

Question 2

What's the difference between FICO and VantageScore?

Accepted Answer

Both score models predict credit risk on a 300–850 scale, but they weight factors differently. Most lenders use FICO; many consumer credit apps display VantageScore.

Question 3

How do I get my free credit reports?

Accepted Answer

You can request free weekly reports from all three bureaus at AnnualCreditReport.com — the only federally authorized source for your free reports.

Question 4

How long do negative items stay on my credit report?

Accepted Answer

Most negative items remain for 7 years. Chapter 7 bankruptcies can stay for 10 years. Hard inquiries fall off in 2 years.

Question 5

What happens during a Credit Audit & Strategy Session?

Accepted Answer

We pull your three-bureau report, walk through every item with you, and deliver a written action plan tailored to your situation — whether that's dispute strategy, debt validation, or funding readiness.

Question 6

How long does it take to see results?

Accepted Answer

Many clients see measurable movement in 30–90 days. More complex situations (multiple charge-offs, bankruptcies, identity theft) can take 6–12 months.

Question 7

Can you remove accurate information from my report?

Accepted Answer

No. By law, accurate, current, and verifiable information cannot be removed. We focus on inaccurate, incomplete, outdated, or unverifiable items.

Question 8

Do you offer payment plans?

Accepted Answer

Yes. Our Elite and Ultimate programs offer split-payment options via Stripe at checkout.

Question 9

Is credit repair legal?

Accepted Answer

Yes. Under CROA and the FCRA, consumers have the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports.

Question 10

What are my rights under the FCRA?

Accepted Answer

The FCRA gives you the right to access your reports, dispute inaccuracies, demand verification, sue for violations, and place fraud alerts or freezes on your credit.

Question 11

What is the Credit Repair Organizations Act (CROA)?

Accepted Answer

CROA is a federal law that regulates credit repair organizations. It requires written contracts, prohibits upfront fees before services are performed, and grants consumers a 3-day right to cancel.

Question 12

Are there things credit repair companies cannot do?

Accepted Answer

Yes. They cannot make false claims, demand payment before service, instruct you to misrepresent information, or guarantee specific score increases.

Question 13

How is business credit different from personal credit?

Accepted Answer

Business credit is tied to your EIN, not your SSN. It's tracked by separate bureaus (Dun & Bradstreet, Experian Business, Equifax Business) and uses different scoring models.

Question 14

Can I build business credit with bad personal credit?

Accepted Answer

In many cases yes — especially with vendor tradelines and net-30 accounts that don't pull personal credit. Some funding still requires a personal guarantee.

Question 15

How long does it take to build a business credit profile?

Accepted Answer

A foundational business credit profile can be established in 3–6 months. A profile strong enough for sizeable funding typically takes 6–12 months.

Question 16

What's included in the Credit Rescue Blueprint™?

Accepted Answer

Step-by-step credit repair guide, dispute templates, collection validation letters, goodwill letters, inquiry removal templates, tracking worksheets, educational videos, and action checklists.

Question 17

Is the Blueprint right for me?

Accepted Answer

If you're motivated, organized, and want to handle the work yourself, yes. If you want personalized strategy and oversight, our Audit or Elite programs are a better fit.

Question 18

What if I need help beyond the Blueprint?

Accepted Answer

You can book a Credit Audit & Strategy Session ($299) or enroll in Elite ($799) any time after purchasing the Blueprint.

Questions? We've Got Answers.

Still Have Questions?