Frequently Asked
what is credit repair?
Credit repair is the process of identifying and correcting errors, inaccuracies, or outdated information on your credit report to improve your credit score. This may involve disputing errors with credit bureaus, negotiating with creditors, or providing strategies to help manage debt.
how does credit repair work?
Credit repair companies review your credit reports from the major credit bureaus (Experian, Equifax, and TransUnion) to identify inaccuracies, negative items, or outdated information. They then dispute these items on your behalf and work with the credit bureaus and creditors to have them removed or corrected, which can improve your credit score.
how long does it take to see results?
The time it takes to see results varies depending on the number and complexity of disputes. Typically, you can start seeing changes in your credit report within 30 to 45 days. However, it may take several months to see significant improvements, especially if there are multiple items to dispute. Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points.
Can I repair my credit on my own?
Yes, you can repair your credit on your own by reviewing your credit reports, identifying inaccuracies, and filing disputes directly with the credit bureaus. However, the process can be time-consuming and complex, which is why many people choose to work with professional credit repair services that have experience and expertise in handling disputes.
What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
will all negative items be removed from my credit report?
Not all negative items can be removed from your credit report. Only inaccuracies, errors, or outdated information can be disputed and potentially removed. Accurate negative items, such as late payments or defaults, will typically remain on your credit report for up to seven years.
can credit repair guarantee an improvement in my credit score?
No legitimate credit repair company can guarantee a specific improvement in your credit score. Results depend on various factors, including the nature of the negative items on your report, the number of disputes filed, and the response from creditors and credit bureaus.
how do i know if a credit repair company is legitimate?
A legitimate credit repair company should be transparent about their services, pricing, and what they can realistically achieve. They should provide a written contract outlining the services and fees and not demand upfront payment. Be cautious of companies that promise immediate results or guarantee specific improvements in your credit score.
will credit repair hurt my score?
Proper credit repair should not hurt your credit score. Instead, it aims to improve your score by removing inaccurate or outdated information. However, multiple hard inquiries or other activities not managed properly could potentially impact your score temporarily.
how can i get started?
To get started, please contact us to request an initial consultation. We will review your credit reports, discuss your financial goals, and provide a personalized plan for repairing your credit.
how much does credit repair cost?
The cost of credit repair services varies depending on the company and the services provided. Some companies charge a monthly fee, while others offer tiered pricing based on the level of service. It's important to review the pricing structure and understand what is included before committing to a service. We here at HomeRun Credit Solutions provide our services for a flat fee of $99 per month.
what should i do after my credit is repaired?
After your credit is repaired, it's important to maintain good credit habits such as paying bills on time, keeping credit card balances low, avoiding unnecessary hard inquiries, and regularly monitoring your credit report to ensure it remains accurate.
These people had amazing results
|
"Thanks to HomeRun Credit Solutions, my credit score increased significantly within just a few months. They guided me through every step of the process and removed negative items that were holding me back."
Callum R. |
"HomeRun Credit Solutions helped me understand my credit report and took swift action to dispute inaccuracies. My credit score improved, allowing me to qualify for better loan rates."
Dave I. |
"By partnering with HomeRun Credit Solutions, I saw a major boost in my credit score. Their personalized plan and consistent support made all the difference in achieving my financial goals."
Gloria G. |