Most banking applications let you check it for free

To issue a credit report: you have the right to request it once a year at https://www.annualcreditreport.com/index.action free of charge, make a request and you will receive the report within 7 days.

If you would like more than once you can buy it through multiple applications, the cost varies between 30 and 40 dollars.

Personal information, accounts, credit inquiries, and all credit transaction records that have been reported such as: mortgages, auto loans, personal loans, personally guaranteed business loans, student loans, credit cards, etc.

The credit repair service is a service that relies on the Fair Credit Act to request the removal of negative marks on a credit report that may affect the attainment of new access to credit on fair terms. Something you should keep in mind is the following:

• The credit repair service is not a score enhancement service.

• The service focuses on removing negative marks from your report such as: late payments, bankruptcies, collections that have been resolved.

Once the credit repair service is contracted the process works with the following steps:

• In-depth analysis of your credit report to determine negative marks

• Preparation of letters to credit bureaus requesting the elimination of records under the Fair Credit Act.

• After 30 days we will monitor to check if the credit bureaus have already started the elimination process.

• After 30 days, another set of letters is worked on in the event that the elimination is still not reflected or has been partially reflected.

• Every 30 days the process is monitored in order to establish which brands have been eliminated and which remain until the objective of eliminating all brands is achieved.

No. Remember that the credit repair service is not a debt elimination or debt restructuring service, nor is it a miraculous score increase service. It is a negative marks elimination service. In the event that you still have a debt in collection, what happens is that the collection will not be reflected in your report but the debt is not eliminated. What may give you the advantage is that you may be able to negotiate more favorable terms with the collection agencies.

It will depend on the level of negative marks contained in your report. A reasonable range is between 2 and 6 months depending on the level of negative marks contained in your report.

Dispute letters are sent as many times as necessary until the negative mark is removed with an interval of 30 days between sending each set of letters.

A negative record on a credit report can remain for up to 7 years. Inquiries can remain for up to 2 years

No. The credit repair service is not a debt consolidation service but a service to remove negative marks from your credit report, so no lending institution will remove your cards or suspend your access to new credit.

The removal of negative marks from your report will have a positive impact on your credit score but whether that effect is maintained or enhanced will also depend on your ability to manage other factors that influence credit such as: credit card usage rates, new payments on time, etc. Remember the service helps you to eliminate negative marks backwards but if you do not maintain good credit habits in the future it will continue to affect you.