Question and Answer

 

How can I obtain my credit reports?   You can go to www.annualcreditreport.com and obtain a copy of all three credit reports every 12 months from the day you obtain your credit report.  This website is free, but will not give you your credit scores.

 

 

How can I obtain my credit score?  There are several options to maintain your credit score.  You can go to www.fico.com where it will allow you to obtain your credit scores.  Also, you can sign up at www.creditchecktotal.com and obtain all three credit reports and scores for a small monthly fee.

 

 

How long does the process take to complete the credit restoration?   The process to restore a person’s credit takes between 1 – 3 months, but if a person has substantial account of debt or negatives on his/her credit report the process can take longer.

 

How is this process legal?  The process to restore your credit is legal due to majority of customers has inaccurate information reporting on their credit reports.  To have your credit reports corrected is legal due to the Fair Act law.

 

How would I know if I have any outstanding balances with any banks regarding any personal accounts?  Please go to www.consumerdebit.com and you will able to receive a report to view if you owe any banking institution money for any past checking or savings accounts.

 

How will I benefit from having my credit restored?  You will benefit from this process mainly because your good faith will be restored to where creditors will allow you to obtain credit.  Also, you will benefit by building your credit reports and history for your future.  Restoring your credit will restore your credit worthiness.