FAQs
Frequently Asked Questions
How much do your services cost?
All program fees are fully detailed on our Programs page.
How can I track my progress?
You’ll receive access to a secure online dashboard featuring a Timeline, Progress Report, and Credit Analysis tools to monitor your journey.
Can I repair my credit on my own?
Absolutely. You’re entitled to review and dispute your credit under laws like the Fair Credit Reporting Act. Educate and Restore Credit is here to assist if you’d like expert guidance navigating the process.
Do you just flood bureaus with letters and hope for a response?
Not at all. We craft customized, strategic disputes backed by thorough research. Generic bulk letters aren’t effective against bureaus that process millions of disputes—our tailored approach gets stronger results.
Can I open new credit while enrolled in your program?
Yes. You remain in control and can apply for new credit, though keep in mind that hard inquiries may temporarily impact your credit score.
How does legal credit repair work?
Under consumer protection laws (FCRA, FCBA, FDCPA), you have the legal right to challenge inaccurate or misleading information on your credit reports. We help exercise those rights by filing disputes with both bureaus and individual creditors.
Do I still need to pay my bills while you work on my credit?
Yes. Paying your bills on time remains your responsibility. Accumulating new negatives will counteract any progress we make.
Can a removed negative item reappear on my credit report?
In rare cases, yes. If a creditor successfully verifies and re-submits the item, the bureaus will notify you. However, this happens very infrequently.
Does paying off debts automatically boost my credit?
Consistently paying bills builds positive credit history, particularly on revolving and installment accounts—but removal or disputes of older negative items provide deeper impact.
How long do charge-offs remain on my credit history?
Charge-offs can stay on your report for up to seven years from when the original delinquency occurred.
How long does a bankruptcy stay on record?
Depending on the type, bankruptcies can appear on your report for up to 10 years, as regulated by the FCRA.
How are court judgments enforced?
After a judgment is issued, a creditor may pursue enforcement actions such as wage garnishment or bank levies.
Can Educate and Restore Credit remove late payments from my report?
We can help identify potentially wrong or misreported late payments and may use targeted strategies to dispute them.
Can repossessions be deleted from my credit report?
Yes—repossessions may be removed either through a dispute or by negotiating directly with the lender to have them deleted early.
Is it possible to eliminate a foreclosure from my credit report?
In certain situations—typically meeting one of five specific criteria—foreclosures can be disputed or removed ahead of schedule.
Can you help remove hard inquiries from my credit file?
We review your inquiries to determine which may be disputable and help guide you through the process.
Do you negotiate with collection agencies?
Yes, our team can reach out to collectors and creditors on your behalf, sometimes succeeding in goodwill removals.
Who is Educate and Restore Credit, and how long have you been operating?
We’re a credit repair firm with over 15 years of experience empowering consumers.
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