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Frequently Asked Questions

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At CreditScoresUSA, we are as dedicated about our customer service as we are about improving your credit picture. Here we have compiled a list of common and not so common questions that we have encountered during our professional tenure. As always, you can contact us via email, phone or fax if you have any questions that we may not have covered here.

What can be removed from my Credit Report?

Anything inaccurate or unverifiable can be removed from a credit file. Accurate means exact and precise. If it is not accurate, we will challenge everything in question, with the ultimate goal of having erroneous negative information removed from your report.

How does information about me get into my credit report?

When you agree to accept credit from a bank, most retail stores, or fill out an employment application – if a credit report is used as a background check – you give the creditor the right to provide information to any credit reporting company. Additional information about you comes from public records, such as court records, debt collection companies, and even the utility companies.

Are you Fair Credit Reporting Act Compliant?

Absolutely! We maintain some of the highest ethical standards. Click here to view the Fair Credit Reporting Act.
I have been denied credit. Is there something that I can do about that?
Yes you can! Many Americans have some inconsistencies on their credit reports. Many of these errors are mistakenly added to the consumer’s credit reports. Under the law, if there are mistakes listed, the companies must remove these entries. You should check your credit report and see why you were denied credit. Then, as a Credit Scores USA client, you can do something to correct the mistakes, and have your credit corrected.

Who can request information about my credit?

Under the Fair Credit Reporting Act, a credit reporting company may only disclose your credit report if someone is:

Granting credit, reviewing your account, or collecting on your account.
Reviewing you for employment purposes.
Reviewing your application for insurance.
Reviewing your eligibility for a license or government-related benefits.
Providing information for a business transaction, such as renting an apartment.
A court order.
An IRS subpoena.
Someone to whom you have given written permission.

How often are mistakes entered into my credit file?

Frequently! Some experts say that as many as 79% of all credit reports contain some errors that are inaccurate, erroneous, or obsolete information that can cost you the credit you deserve.

Who will remove items from my credit report?

Only the credit reporting agencies have the power to remove items from your credit report. But, by law, the credit reporting agencies must delete inaccurate, erroneous, or obsolete information. As a Credit Scores USA client, we ensure that the proper steps are taken to remove these inaccurate entries.

How long does this process take?

Most of our clients see substantial improvement in their overall credit picture in the 60 to 90 day time frame. However, your participation in this process is equally important. This is a detailed and skilled procedure that may take up to one year to achieve the results you are seeking.

Is it really possible to repair credit?

Technically, no. For example, Federal and State laws prohibit us from saying that removal of all negatives can be guaranteed. Yet, any information, no matter how accurate, which cannot be verified within a reasonable amount of time according to law, CANNOT be included on your credit report.

Will deleted items reappear?

This is rare, there are times when a credit bureau will eventually verify information that has already been deleted from your credit report. The federal law requires a credit bureau to inform you prior to re-listing a previously deleted item. This same federal law makes it more difficult than ever for a credit bureau to re-list a deleted item. Therefore, although it is technically possible for a deleted item to reappear on your credit report, it is highly unlikely. If an item reappears on your credit report we can again dispute it at a future date and work towards a permanent deletion.

Can I apply for new credit during this process or should I check my credit regularly?

We ask that you do not apply for new credit during this process. In addition, you will be supplied with updated credit reports as the negative items are removed.

Are there any items that are hard to remove, such as bankruptcies, repossessions and foreclosures?

No. Any unverifiable, inaccurate, outdated or misleading item can be removed. Bankruptcies, repossessions and foreclosures are considered negatives just like a late payment, though more severe in the amount of points deducted from your credit score. Often times these items can also be removed.