FAQs 

Does my credit report include information on my military service?

No. Your military service is not automatically included on your credit report.

Why do some veterans return from deployment with low credit scores?

Many military personnel who have served overseas may experience a decline in their credit scores due to limited credit activity or missed payments. The good news is that there are bad credit solutions available to help fix your credit.

Which laws protect the financial rights of a serving member of the military? 

As a serving member of the military, you are protected by specific financial rights under federal laws such as the Servicemembers Civil Relief Act (SCRA). These rights include reduced interest rates, protections against default judgments, and safeguards against unfair credit reporting practices during active duty.

What can AMERICA CREDIT CARE remove from my credit history?

Strict credit reporting practices apply to military personnel, and we can assist in disputing credit report errors with the credit reporting companies and the information furnisher. Whether it's removing negative information or requesting goodwill removals from lenders, our credit repair company works to ensure that your credit reflects accurate and fair information.

How long will it take to repair my credit?

Every case is unique, so the time required to repair credit varies. For any legitimate credit repair company, it’s difficult to provide an exact timeline, but you can expect noticeable results in about three to six months. We’ll keep you updated on corrected inaccuracies and improvements as we work on your case.

Who is eligible for free electronic credit monitoring?

Active duty servicemembers, including those assigned to service away from their usual duty station, and members of the National Guard are eligible for free electronic monitoring. Notably, National Guard members do not need to be deployed away from their usual duty station to qualify. The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to notify active-duty military consumers about any "material" additions or modifications to their credit file within 48 hours.