Frequently Asked Questions

Is Credit Repair Legal?

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (averaging 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items disputed that are not errors, a creditor is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher (the company or entity that provides information about a consumer's credit history) will say it has been verified but does not offer or provide proof. It is our job to prepare documents that challenge this and the reason why people hire us as we specialize in these areas.

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How long will it take to increase or boost my credit score?

Results depend on goals, finances and credit profile. Everett Solutions does not offer any programs because we will carefully analyze your individual credit report and design a customized strategy to tackle the negative items that are damaging your credit.

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Is Credit Education and Repair worth it?

One must consider how credit impacts your life. Having excellent credit can save you thousands of dollars on your next car loan and the savings are even greater when considering a mortgage loan. Having bad credit could prevent you from obtaining insurance coverage, gainful employment and other important matters. Everett Solutions is here to enhance your credit profile and educating you on how to build and maintain financial stability at an affordable cost.

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What Items Can You Help Me Remove?

The Fair Credit Reporting Act (FCRA) mandates that everything on your credit profile be reported accurately or it must be removed. This includes bankruptcies, foreclosures, collections, evictions, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

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Will the removed items come back?

Items cannot come back as long as the item is current, paid at the time of removal or if the collection is older than three years.