Q&A

It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done.

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here’s why. Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions.

As valuable as the possibility of better credit is, the cost to start taking control of it is simple: we have plans ranging from $50-$125 per month to fit almost everyone’s budget.

Yes our team can help you settle your debt for as little as .50 cents on the dollar. And even less in some cases.

Most definitely. You can reach one of our dedicated staff members at realcreditchamps@gmail.com.

Check your credit reports to help you identify items that you want to challenge or change. This strategy allows us to focus our efforts and get started as quickly as possible. With your timely involvement, the process can begin.

Challenge the items you identified with your creditors and/or the credit bureaus. We interact with creditors directly help resolve the issues quickly. We also communicate with the credit bureaus to ensure that all changes are reflected on your credit report. Creditor and credit bureau cooperation is imperative to timely credit repair. Thankfully, we understand consumer protection laws and the time regulations they carry. We’ll represent you with legal knowledge on our side.

Change your perspective by confronting your credit score issues. At Credit Champs, change is our end-goal. When negative items are challenged and removed, credit scores almost always improve.
While we can’t guarantee a timeframe for your credit repair, we can share our past results.  With our knowledge and your active participation, we can work together to help you achieve the credit repair you’ve been searching for.

Negative items listed on a credit report are notes of past financial mistakes or lending choices that will lower a consumer’s credit score. Credit bureaus track derogatory items to determine how financially reliable and responsible a borrower is.

While most negative items will stay on your credit report for seven years, bankruptcies will stay for ten years, hard inquiries will stay for two years and some unpaid student loans can stay forever.

If you have negative items listed on your credit report there are still ways to mitigate their effect on your credit score, and even remove them from your credit report.

Make no mistake-bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the challenges it causes, including:
    •    High interest rates on home mortgages, credit cards, auto loans, student loans, etc.
    •    Unwilling lenders/creditors
    •    Unmanageable debt
    •    High insurance premiums
    •    Fewer job opportunities
In addition to costing more money, bad credit limits your financial options and threatens your fiscal stability. If you’re looking to make a positive change, the time is now.

While bad credit does limit your borrowing options, it may still be possible to find a loan with bad credit . However, the question remains, is a bad credit loan worth the disadvantages it carries…

Several laws provide consumers the ability to question creditors regarding accounts that are ultimately reported to the credit bureaus. Everything appearing within a credit report must meet three consumer protection standards: Information must have been fairly reported, entirely accurate, and fully substantiated.  In this regard, federal consumer laws protect all U.S. citizens, allowing everyone access to the same tools and resources.