FAQ
We're Here to Help! All Your Credit Repair Questions, Answered.
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Q: How long does credit repair take?
A: The credit repair process varies depending on individual circumstances. However, most clients begin to see improvements in their scores within the first few months of working with Investara Financial. We're committed to ongoing support throughout your journey to ensure long-lasting results.
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Q: Can you guarantee a specific score increase?
A: While we're dedicated to helping you maximize your credit score potential, it would be unethical to guarantee a specific number. Credit repair is about taking action to address negative items and optimize your credit profile, which leads to improvements for most clients.
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Q: How do I know if I need credit repair?
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Q: Are there items you can't remove from my credit report?
A: If any these situations resonate with you, it's worth exploring credit repair with Investara Financial:
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You've been denied for loans or credit cards due to your score.
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Interest rates on your current accounts are very high.
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You're unsure what's on your credit report and how it impacts you.
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You want to proactively build a strong credit foundation for future goals.
A: Legitimate, accurate negative items can only be removed after a period of time (typically 7-10 years). However, we'll work to ensure that even after those timeframes, these old items have minimal impact on your score. Our focus is on helping you rebuild a positive credit history that outweighs the past.
Q: What is the difference between doing credit repair myself vs. using a company like Investara Financial?
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A: It's possible to dispute errors yourself, but here's why Investara excels:
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Expertise: Deep knowledge of credit laws and how to effectively challenge errors.
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Efficiency: We streamline the process and handle the communication on your behalf, saving you time.
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Ongoing Guidance: We provide the education and tools to maintain good credit habits long-term.
Q: How much does your credit repair service cost?
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A: We offer transparent, personalized pricing based on your needs. Schedule a free consultation to discuss your situation and find the perfect plan for you.
Q: Is credit repair legal?
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A: Yes! The Credit Repair Organizations Act (CROA) protects consumers and ensures reputable credit repair companies operate ethically. Investara Financial adheres to all CROA guidelines, providing transparent services focused on legitimate strategies to improve your credit profile.
Q: Will credit repair negatively affect my credit score?
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A: Legitimate credit repair focuses on actions that positively impact your score long-term. These include disputing errors and optimizing positive credit behavior. Sometimes, initial inquiries during the setup process can cause a temporary, minor dip, but the overall benefits outweigh this short-term fluctuation.