FAQ
How long does it take to restore my credit?
Every case will be completely different. It depends on the nature of your case, and the level of third-party (creditors, debt collectors, results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, your ability to pay overdue debt, and the level of credit bureau cooperation. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.
How can I get free copies of my credit reports?
Everyone is entitled to one free copy of they’re credit report every 12 months from each of the three nationwide credit reporting companies TransUnion, Equifax, and Experian. You can order online from annual creditreport.com or you can sign up with credit monitoring services; Experian , PrivacyGuard Lifelock and more.
Can I restore my own credit?
Yes, you can. It is your right to dispute anything you want. You can also represent yourself in a court of law, and do your own oil changes on your vehicles. There’s nothing we do that you cannot do yourself when it comes to fixing your credit. People can restore their credit on their own but it can take time and a lot of knowledge when it comes to the credit laws. We are a service company and we are experienced professionals that will help you with credit needs as best as we can.
How Long will it take for a Tradeline to post on my credit?
Tradelines are lines of credit reporting on your credit report, your credit card, home loan, auto loan, student loans etc. etc. are all considered credit tradelines. It can take up to 45 days to post on a credit profile.
How much will my credit score increase?
Many of our costumers have seen an increase of 100 points or more; however, the actual amount will vary per customer. There are many factors that affect a credit score besides derogatory items. For example, the ability to pay down revolving debt, the type of credit you have, your length of credit history, even the number of inquiries on your credit file. Adding tradelines can easily boost your credit 220 points and more.
Is credit restoration legal?
Yes indeed. The Fair Credit Reporting Act allows anyone to dispute inaccurate items on their credit reports. The FCRA (Fair Credit Reporting Act) and the FDCPA (Fair Debts Collections Practices Act) were designed to protect your rights, and initiated to hold creditors and credit agencies legally responsible for all claims they make against you. Any inaccurate, incomplete, outdated or unverifiable accounts must be removed or corrected.
In 2018, Credit Avengers wanted to serve the average American consumer by educating them on the importance of credit and to have the opportunity to get lower costs and better terms for their credit loans.
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