We try to solve all the doubts of our clients as soon as possible, that is why we have created this segment to solve them all immediately.
Credit Repair FAQs
HOW LONG DOES IT TAKE TO RAISE MY SCORE?
Counting on our constant advice, in less than 3 months your score will begin to see improvements; as negative information is removed. Based on our experiences, we have repaired the credit in a minimum of 50 days; 93% of our clients see their score increase on the 50th day of our constant advice. After that, the score increase is verified as the specialists update your credit.
CAN MY NEGATIVE ACCOUNTS REAPPEAR AFTER BEING REMOVED?
Accounts that have been removed will not return to your credit, unless the accounts are sold to another collection company, or the account is resumed before a payment arrangement can be made.
WHAT ARE THE CUSTOMER SERVICE CHANNELS?
At Credit Experts our specialist agents will provide personalized attention through the call center, chat through our application and on our social networks.
HOW MUCH WILL THE SERVICE COST?
Not all credits are the same. The prices are adjusted according to the negative information that may be had and the needs of our clients. To consult them, do not hesitate to contact us.
WHY ARE THE RESULTS VARIABLE?
Not all credits are the same, therefore, the results for each person are not the same. Everything will depend on the negative information that is reflected in your credit history. Therefore, initially we must verify your credit report and propose the strategies that may favor you, according to the need you present.
WHAT IS THE APPROPRIATE TIME TO APPLY FOR A HOME CREDIT?
First of all, we must know that it is not only the score that is important for the application of a house to be approved. We have to bear in mind that it is vital to have a down payment. In addition, being up to date with your taxes is another requirement that you must meet, as well as a good income and debt capacity. The time will depend on the method of buying the home. The most recommended thing is that you can have a score of at least 720 points so that the interests can be low and others do not make as many requests, since, if you apply with a low score, the chances of being approved may be minimal.
WHAT IS DEBT CAPACITY?
It is the ability that consumers have to acquire new debts, which are calculated with half of their monthly income as AVAILABLE, as long as there is no credit payment in progress. In the event that there is a monthly credit payment, the debt capacity decreases, where it can be an obstacle when applying for credit.