F.A.Q. s

What Will Negative Tradelines Cost The Borrower ?

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What can be removed?

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How often are credit reports wrong?

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Expiration of Negative Credit Information

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Wonder why minimum payments are so low? It allows consumer to carry more debt while keeping to the same low minimum payment. You can give someone with the ability to pay $100 per month a credit limit as high as $5,000 if they only had to pay 2% a month. If the minimum payment were 5%, they could only have a credit limit of $2,000. The lower the minimum payment, the deeper in debt someone could be in.

Some common errors found in credit reports that can be removed include:

  Duplicate records that duplicate your unpaid balances
  Someone else's accounts attached to your name in error
  Paid and closed accounts that have never been removed
  Accounts disputed with collectors long time ago and never removed
  Accounts or charges caused by identity theft
  Balances posted to your accounts in error
  Records of credit inquires taken without your permission and knowledge
  Negative records that have gone past the expiration date


Any negative items can be removed from your credit report if they are inaccurate, misleading or unverifiable. This includes:

Unpaid collections 
Paid collections 
 Charge-offs 
 Repossessions 
 Bankruptcies 
 Medical bills 
Foreclosures 
 Tax liens 
 Civil liens
 Student loans 
 Credit card debt 
 Inquiries 
 Old addresses
 All names but one 
 Judgments  
 Late Payments
 Child support
Creditfacs Credit Repair Expectations

  You can expect serious results from Creditfacs program: we've been providing unique, personal credit repair services since our first interventions back in 1994.

Our credit report repair program is a comprehensive service. Yes, we send out credit dispute letters and correct invalid, negative information on your reports, but we also consult deeply on the other influential portions of your credit. Our human touch lets Creditfacs clients optimize their credit beyond results from automated credit repair products.

Most credit repair firms will attempt to fix negative records from the past, nothing more. Creditfacs not only helps restore your credit history, we empower our clients with information. This lets our clients make educated decisions and transactions in the future, helping maintain and improve their positive credit rating.

In order to make your credit repair experience as effective as possible, Creditfacs has certain expectations of ourselves and our clients.

For our part, we work to remove inaccurate, negative items from your credit history. In addition, we work to optimize less obvious score influences as well using a combination of education, consultation, and tailored strategies for your credit situation.

Your personal credit repair team will work with you as needed, making sure that you know the best way to pay down certain balances, how to gain and grow new credit, and our consultants can help you better understand how the credit repair process works.


Creditfacs Credit Consultants requests just two things from our clients...

  • That you remain "current" on all of your current monthly payments for the duration of your use of our credit repair services. If you do fall behind, please let us know immediately so that we can seek to minimize damage to your credit.

  • That you forward to Creditfacs all correspondence you get from creditors and the credit bureaus. This keeps our records current, and updates streamline our credit repair program to work efficiently for you.

    Working together, we can optimize your credit, repair problems, and supply the information you need to keep your credit strong and attain your financial goals.

    Case Studies - Problems and Solutions
    Creditfacs helped our first credit repair client in 1994, and since then our staff has worked with thousands of individuals with a wide variety of unique credit issues and goals. Creditfacs remains dedicated to helping consumers see significant credit report repair actions and higher credit scores via credit repair.

     Creditfacs helped our first credit repair client in 1994, and since then our staff has worked with thousands of individuals with a wide variety of unique credit issues and goals. Creditfacs remains dedicated to helping consumers see significant credit report repair actions and higher credit scores via credit repair.

    While credit problems as as unique as fingerprints, one thing remains clear... bad credit or a low credit score places a roadblock in the way of a goal or need. Whether you need a home mortgage, a car loan, credit cards, or the peace of mind that comes from a great credit rating - improving your credit score will improve your results.

    Please feel free to explore some of our common credit repair success stories below. You'll find that while credit repair requires personalized service, bad credit can be fixed, average credit can become great credit , and most importantly, what you may think is hurting your credit score may not be the only area where Creditfacs can find room for credit score improvement.