How long does the credit repair process take?

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It is really no time frame for the process as everyone’s credit profile is different. However, it has been found that most improvements can be completed within 6-9 months. Generally, it takes years to damage credit profiles so it takes time, patience and trusting the credit restoration process.

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Can’t I repair my credit on my own?

 

Yes, you absolutely can. You are able to contact the credit bureaus and dispute inaccurate information on your own, however the process can be very time consuming and confusing. Trinity Lux Enterprise, also offers a guidance service to help those who want to do DIY credit repair.

 

Why is there a difference in the score I see on credit monitoring sites and what a lender sees?

 

The difference is that the credit monitoring sites most likely do not pull from all 3 credit bureaus as do lenders, lenders also usually count paid collections against your credit score.

 

When is a good time to start repairing my credit?

 

Yesterday!!! Especially if you’re able to maintain your current credit profile (making all payments on time) and no missed/late payments within the last 3-6 months.

 

What is considered a Good credit score? Bad credit score ?

 

Credit bureaus generally consider a good credit score to be anything above 650 ( also remember lenders look at your entire credit profile, just not the score). Bad credit scores are usually anything 580 and below. To qualify for loans (personal, car, mortgage) and not have to borrow money with higher interest rates you will need at least a 640. However, you can qualify with lower scores, it will just be more expensive In the long run.

 

How can I get a free credit report?

 

You are qualified to get one free credit report every 12 months from http://www.annualcreditreport.com/. You can also obtain a free credit report if you are 1.) currently unemployed and seeking employment. 2) Suspect errors due to fraud (identity theft) 3.) Receive public assistance.

 

What can be removed from my credit report?

 

Anything that is inaccurate, unverifiable, or incomplete can be removed. This can range from late payments, collections, charge-offs, liens, bankruptcy, and repossessions.

 

If I had someone repair my credit before can I have someone to do it again?

 

As long as it has been at least 2-4 months. It is very helpful if you have records of what was recently disputed.

 

Can negative items return to my credit report?

 

Yes, negative items can reappear if they were not verified in time and they are actually verifiable. However, the FCRA makes it difficult to report, they have to inform you within 5 days that they will be placing the item(s) back on your credit report.

 

How does Trinity Lux Enterprise Financial Freedom Program work?

 

Prior to your consultation we audit your credit reports to find any items that may be questionable, inaccurate, unverifiable, or incomplete that should be disputed with credit bureaus. We give our client a personal plan of action and go over the report in grave detail. We provide our clients financial and credit education to help them with long and short term financial goals. Remember our mission is to aid in helping our clients in achieving a life without financial limitations. We then are “your” voice in disputing incorrect information with collectors/credit bureaus to ensure that your credit profile is reporting accurately in the eyes of the law.

 

What is the cost of the Financial Freedom Program?

 

First, think of it has an investment into your financial freedom future.  There are two options you can choose from either a $99 enrollment fee with a $525 flat fee or a $199 enrollment and $99 monthly service charge. We also prefer that you sign up with Identity IQ (our preferred credit monitoring service which reports all 3 credit bureaus on a monthly basis to update you on credit improvements) which is an additional fee not included in your initial investment.

 

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