04/04/2026
If you’re currently enrolled in a credit repair program and scores/overall credit profile are NOT improving ask yourself these questions.
1. How many revolving tradelines/ credit card(s) do you have opened?
2. What is the current utilization on your revolving tradelines/ credit card(s)?
3. Are you continuously applying for credit?
4. Are you late on any opened accounts?
5. Did you recently pay off a collection or charge off account that was not medical?
I will also say:
Seeing results right out the gate could definitely be a RED FLAG. Time, patience and consistency will get you the results you desire. It’s always the Credit repair companies that are removing a handful of accounts right from the get-go (30-60 days) and scores are significantly improving quickly that you need to question their method of approach.
This could mean the CRO is using the “verification” and “fraudulent” method. This method can be misleading for the consumer. Why you ask? Using this approach means the credit bureaus will remove the account while they do their “investigation. “ You then think you have a victory simply because you see the account(s) removed and scores increase, but don’t worry the minute the “investigation” is over the account(s) will re-appear and scores significantly drop. If there’s not enough evidence to back up this type of dispute method, the account will absolutely reappear. The majority of credit repair organizations use this method. You’ll praise them in the beginning, but it will be your problem later down the road when these accounts are added back and scores drop.
We us the “consumer law” and “factual disputing” method. I go straight for the throat when sending these disputes.
Quit looking for quick overnight results, and trust the process. While I have cleaned a complete credit report in less than 120 days many times, that’s not the case with every profile and the majority we come across.
If your credit specialist is answering every call, educating you monthly, helping you rebuild and being very transparent about the process stop jumping from company to company.
-Brittany
