Frequently asked questions

F.A.Q

Answers on frequently asked questions

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Legal professionals that are part of our network have signed a NO FEE agreement with us, which means you will not be charged a penny for any of the following services: credit report review, dispute letters, consultation and filing for a lawsuit in a matter where a violator violates a Consumer Protection Federal Law.

Practice Areas

Bankruptcy

This public record indicates that you were not able to pay the debt and filed a petition to fully remove or partially remove that debt.

Charge-Offs

Creditor's statement that the debt is unlikely to be collected when a consumer is seriously overdue with monthly payments

Debt Collections

The delinquent account that hasn’t been paid for over 180 days sold to collection agencies by creditors or other lenders

Credit Report Errors

Errors, inaccuracies and misrepresented information reported in your Credit file that directly affects your credit score.

Employer Background Check

Verification of personal information of the potential consumer mostly when hiring a new employee or renting real estate.

Foreclosures

Legal procedure of transfer of the mortgaged real estate from the house holder to the lender when the mortgage borrower fails to make payments.

Hard Inquiries

Verification of credit information of potential client made by credit lender upon application for credit.

Identity Theft

Fraudulent action of stealing your personal information in order to use it for opening accounts and using different services

Judgments

A legal status granted by a court that states that you must pay the outstanding debt.

Landlord Background Check

Verification of personal information and credit reputation performed by landlord when choosing a potential tenant.

Late Payments

These derogatory marks represent your missed payments therefore damaging your payment history.

Mixed Files

Credit information mistakenly reported on another consumer’s credit report with similar name and/or social security number.

Repossessions

Legal act whereby the auto lender returns the ownership of your vehicle as a consequence of unpaid auto loan.

Student Loans

Loans provided to students in order to help them pay off all of expenses during their studies.

Telemarketer Harassment

Fraudulent calls made by various suspicious organizations with the intent of selling unneeded products and services or receiving personal information.