ID Consumer

• What happens if my credit score does not improve?
• Our top providers offer a money back guarantee to ensure that you absolutely see an improvement to your credit score.

• Will the items removed from my credit report come back?
• On average only 1 out of 10,000 will re-appear on your credit report. The law states that after an account is removed twice it cannot be put back on your credit report.

• What can a credit repair company take off of my credit?
• In addition to all derogatory and unverifiable accounts, a credit repair company can help remove old addresses and incorrect names.

• Who are the three Credit Bureaus?
• Experian, Transunion, Equifax/CSC Credit Services

• How long is information retained on my credit report?
• The credit information period is typically 7 years; however, bankruptcy is reported for 10 years.

• When I pay off my bills does it repair my credit?
• Unfortunately paying old debt does not remove the delinquent item from your credit report. Actually doing so re-ages the item and the seven year clock starts over again. Did you know from a credit reporting standpoint, a paid current negative listing is not better than an unpaid negative listing?

• Who can access my credit report?
• Anyone who wants the information for a business transaction between you and them.

• Why should I use a credit repair company?
• It is the same reason you do not perform surgery on yourself, you consult a doctor. The experts are available to be utilized at a low cost for providing a service that could potentially change your life.

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