FAQs about Credit Report Repair Services
1. How does AMERICA CREDIT CARE work?
Our credit report repair service begins with a free consultation and credit audit. Then we create a custom plan for effective credit report repair, identify inaccurate or unverifiable items, and dispute them with the credit bureaus.
You’ll receive monthly updates and education to rebuild your credit.
2. How long do I have to wait before I see results with credit restoration services?
Most clients begin seeing positive changes in their credit scores within 30 to 45 days after their first disputes are filed, though timing can vary based on your unique report.
The timeline depends on the extent of credit damage, such as late payments or collections, which remain on reports for up to seven years but lose impact over time. Inaccuracies or errors are easier to resolve quickly through disputes, but settled loans or major issues like bankruptcy (lasting 7-10 years) require ongoing positive actions like on-time payments to dilute negative effects.
Credit utilization below 30%, avoiding new (hard) inquiries, and consistent financial habits can accelerate progress and potentially restore a score to previous levels in about three months for minor issues.
Significant recovery through professional credit report repair services often takes 6-12 months with disciplined payments, potentially reaching 750 or higher for loan eligibility in 4-12 months. Full rebuilding from severe damage may span one to three years in some cases, though credit repair specialists can address most issues in 45 days to six months.
3. What makes AMERICA CREDIT CARE different from other credit repair companies in the United States?
We offer a 30-day free trial, transparent pricing, faster turnaround, personalized support, and full compliance with credit laws like the Credit Repair Organizations Act (CROA). Our credit restoration services focus on both repairing and rebuilding credit.
4. Do you charge upfront fees for credit repair?
No. Your first 30 days are completely free, and we don’t charge until disputes are prepared and credit report repair services are performed.
5. Can I cancel anytime?
Yes. Our credit report repair service is month-to-month with no permanent contracts and no cancellation fees.
6. Do you follow FCRA & CROA guidelines?
100%.
As a legitimate credit repair company having served thousands of clients across the United States, AMERICA CREDIT CARE follows all federal laws, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).
7. Does your credit report repair service guarantee results?
We guarantee compliance, professional service, and our best effort. Our credit repair specialists will leave no stone unturned to fix your credit. However, no legitimate credit repair company can legally promise specific deletions or score increases.
8. Is my information safe with AMERICA CREDIT CARE?
Yes. We use encrypted, secure systems to protect your personal and financial data.
9. Do you dispute bankruptcies, repossessions & medical bills?
Yes — as long as the accounts are inaccurate, outdated, incomplete, or unverifiable, we will challenge them legally.
Our credit repair specialists aim to help you get rid of all inaccurate derogatory marks, including removal of bankruptcy filings, repossessions or medical collections.
10. Can credit report repair service help me qualify for loans in the future?
Yes.
Many clients who choose AMERICA CREDIT CARE, improve their scores enough to qualify for credit cards, auto loans, mortgages, or business funding.
A higher score, typically 670 or above, signals lower risk to lenders. It increases your creditworthiness which leads to faster approvals, better interest rates, and larger loan amounts compared to scores below 580, which often result in denials or high-cost options.
FICO scores influence 90% of mortgage decisions and help secure favorable terms on everything from credit cards to home equity loans.
11. Do you teach credit rebuilding?
Yes. Dedicated credit restoration specialists at AMERICA CREDIT CARE guide you on adding positive trade lines, using credit cards the right way, and managing credit utilization. Our goal is to help you achieve and maintain a good credit score in the long run.
12. How often will I get updates once I enroll in your credit repair program?
You’ll receive monthly progress reports as we work on your credit profile. You can also request updates at any time. Our credit repair specialists work with each client on a one-on-one basis.
13. Does AMERICA CREDIT CARE serve all 50 states?
Yes. AMERICA CREDIT CARE is a nationwide credit repair company.
We provide credit restoration services to clients in all 50 states.
14. What is the Credit Repair Organizations Act (CROA) and why does it matter?
Enacted in 1996 as part of the Consumer Credit Protection Act, CROA is a federal law that regulates credit repair companies that offer paid services to improve consumers' credit records, histories, or ratings by disputing derogatory marks on credit reports. It applies to any entity using interstate commerce or mail to sell such services, excluding nonprofits, creditors restructuring their own debts, and certain financial institutions.
CROA matters because it safeguards vulnerable Americans, especially those with limited financial knowledge, from credit repair scams where unethical firms exaggerate results or charge for unremovable accurate negatives, preventing financial hardship and promoting informed choices. In a nutshell, CROA ensures credit repair companies operate transparently, legally, and without charging upfront.
15. Can you legally remove collections from my credit report?
Yes — if collections are inaccurate, outdated, or unverifiable, our credit repair specialists can challenge them under relevant FCRA guidelines.
16. Do you help dispute and remove charge-offs from credit reports?
Absolutely. Charge-offs can be removed if they contain reporting errors or if the creditor can’t verify the information.
If the charge-off is found inaccurate, the bureau must remove or correct it; otherwise, it stays, and paying it only updates the status to "paid" without deletion.
Accurate charge-offs from original creditors, like credit cards, are rarely removable through disputes, as bureaus verify them against creditor records, and credit repair companies lack special powers beyond what consumers have. Negotiating a "pay-for-delete" agreement with the creditor is possible but creditors are not obligated to agree.
17. Can you remove hard inquiries from my credit report?
Yes — if a hard inquiry was unauthorized or reported in error, we can challenge it with the bureaus.
Credit repair specialists review your Equifax, Experian, and TransUnion reports to identify questionable hard pulls. Next, they file disputes with the bureaus and provide evidence like proof you did not apply or that the inquiry violates FCRA permissible purposes, triggering a 30-day investigation for hard inquiry removal.
If verified as inaccurate, the bureau removes it within 30-45 days; otherwise, it stays. Contacting the creditor first can resolve mistakes, such as a soft pull mistakenly recorded as hard, before escalating to bureaus.
Legitimate inquiries, which occur when lenders check your credit for new accounts, remain on reports for two years but affect FICO scores for only 12 months, typically dropping the score by fewer than five points each.
18. Do you handle identity theft cases?
Yes. As a leading credit repair company, we do assist in reporting identity theft, filing disputes, and placing fraud alerts to help clean up your credit report. It is one of the credit recovery routes we offer to our clients for personalized credit report repair service delivery.
19. Can you dispute student loan defaults?
Yes — we can help dispute student debt especially if the default was reported inaccurately or if the debt is not verifiable. We also help with credit rebuilding strategies afterward.
Federal student loans become delinquent after 90 days and default after 270 days, with defaults reported to Equifax, Experian, and TransUnion, but disputes apply only to factual errors, not legal disagreements over validity.
20. How do you remove medical collections from a credit report?
Our credit repair specialists verify medical debts and challenge any inaccurate, outdated, or paid-but-not-updated accounts. New federal rules also provide more leverage for removal of medical debt from credit reports.
To dispute medical collections, our credit repair specialists identify errors like unpaid bills already covered by insurance or identity theft, and file with each bureau online, by mail, or phone using their forms, including evidence such as Explanation of Benefits (EOB) or payment proofs. Bureaus must investigate within 30 days, contacting the debt collector or provider; if unverifiable or inaccurate, the item is removed, potentially boosting your score by 20 points on average. Specialists can also use HIPAA to request itemized bills from providers for verification, revealing over-billing or errors that support your dispute.
Medical collections can be removed from your credit report if they are inaccurate, under $500, paid off, or reported too soon, as Equifax, Experian, and TransUnion voluntarily exclude debts below $500, impose a one-year delay before reporting unpaid medical bills, and delete paid medical collections regardless of amount.
A CFPB rule finalized in January 2025 aimed to ban all medical debt from reports and prohibit lenders from using it, but a federal court vacated it in July 2025, reinstating reliance on these voluntary changes and FCRA disputes for inaccuracies.
21. Can you help with evictions on my report?
Yes — if the eviction is reported as a collection or judgment, we may be able to dispute it if it’s inaccurate or outdated.
22. Do you remove late payments from credit reports?
Yes — we can challenge late payments that are reported in error, outdated, or unverifiable with your creditor or the bureaus.
23. How does AMERICA CREDIT CARE handle collection agencies?
We verify the debt, check if the agency has the legal right to collect, and challenge any errors in the reporting or collection process.
24. Can I sign up if I’m already working with another credit restoration service provider?
Yes — but we recommend canceling with them first, to avoid disputes overlapping and ensure clean communication with the bureaus.
25. Will improving my credit help me get business funding?
Yes. Many lenders require a strong personal credit profile to approve business loans or lines of credit.
26. How does AMERICA CREDIT CARE handle repossession disputes?
We request full verification of the repossession and dispute it if the balance, dates, or ownership terms are inaccurate or outdated.
27. Can you delete foreclosures from my credit report?
In some cases, yes — if the foreclosure is reported with errors or lacks proper documentation, it may be disputed.
28. Do you negotiate with creditors?
We focus on legal disputes. If needed, we may refer you to a reputable settlement or negotiation specialist.
29. Can AMERICA CREDIT CARE help if I’ve been denied a mortgage?
Yes — we work with many clients preparing for homeownership. We’ll identify what hurt your application and help you improve your profile.
With our credit report repair services, we can potentially raise your FICO score enough to improve future approval odds for loans like FHA or conventional mortgages.
Credit repair specialists may help remove erroneous late payments or collections, but cannot erase legitimate negatives like missed payments that may have contributed to the denial.
30. Do you offer a money-back guarantee?
No — per CROA compliance, we do not offer money-back guarantees, but we do not charge for the first 30 days, so there’s no risk to try us.
31. What happens if nothing changes after 60 days?
Disputes may take 30–90 days to reflect. If nothing changes, we escalate your case, re-audit the credit report, and refile disputes as needed.
32. Will repairing my credit improve my insurance rates?
Yes — better credit can help you get lower car, home, and renters insurance premiums, since many insurers factor in your credit score.
33. “I’m embarrassed about my credit. Will you judge me?”
Never. Many of our clients are starting fresh. We’re here to support you without judgment and guide you every step of the way.
34. “I’ve tried credit repair before. How are you different?”
We offer a 30-day free trial, fast communication, honest service, and transparent results. No gimmicks — just real work and real care.
35. “How do I know this isn’t a credit repair scam?”
We’re CROA-compliant, nationwide, and have served thousands of clients. You can verify our legitimacy through reviews, contracts, and our open communication.
36. “I don’t understand credit reports. Will you explain them?”
Yes — our credit repair specialists will walk you through your report, line by line, and teach you how credit works. You’ll feel confident managing your score.
37. “What if nothing works for me?”
As a responsible credit repair company, AMERICA CREDIT CARE will still fight for you. Even if it takes more time, we’ll adjust our strategy, escalate disputes, and support your credit-building goals.
38. “I’m worried this will be another waste of money. Why trust your credit repair programs?”
As a legitimate credit repair company, we don’t charge anything upfront, and our clients typically begin to see noticeable results in 30–45 days. Our systems, compliance, and reviews speak for themselves.
39. “I feel overwhelmed. Will you guide me step by step?”
Absolutely. You’ll receive clear instructions, personal support, and monthly updates from our credit repair specialists to keep things simple and stress-free.
40. “I’ve been denied so many times… can you really help?”
Yes. Many of our clients came to us after being denied for homes, cars, or cards. Within months, they saw score improvements and approvals.
41. “Do I need a perfect score to buy a home or car?”
No. You can get approved for many loans with a 640–680 credit score, especially when your report is clean and your income is stable.
42. “Can you give me hope this will finally work?”
Yes. We’ve helped thousands of people — just like you — rebuild their credit and change their lives with our affordable credit report repair services. Your financial comeback starts here.
We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten.
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We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten.
Copyright © 2025 America Credit Care. All rights reserved. Powered by WebbArtt Solutions