Frequently Asked Questions

AnnualCreditReport.Com provides one (FREE) report from all three credit bureaus per year. I use Identity IQ for consistent updates every 30 days($29.99/month). Ive also used Experian for years and did not have any problems! 

It is a 3-digit number based on your credit reports(300-850) created by the Fair Isaac Corporation.  The FICO scores are just one type of credit score that lenders or creditors may use when determining whether they'll provide you a loan or credit card. 

Depend on the service plan you choose varies with that. Once the credit is repaired the score usually rests about 600-700 depending on the history. Trade lines and positive revolving credit will built the credit score from there.

It’s perfectly normal for scores to differ slightly among agencies. It’s up to lenders to decide which information they report to the major credit agencies — and which agencies they report to in the first place.

Absolutely. Not only will you learn, you will obtain pdf. files of the correct letters for each situation leaving you only to have to change the personal information.