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Questions and Answers

Frequently ask questions!

1. What is my score?  Answer: Your score is based on your credit
                                                    Report so fix it and you can get your
                                                    updated score.

2. How long does a bankruptcy stay on my record?
                                    Answer: 10 years

3. How long do collections and judgements stay?
                                     Answer: 7 years

4. I paid my tax lien why is it still on my record?
                                      Answer: Should show released but will 
                                                      remain on record for 10 years.

5. Can i remove these items sooner?
                                       Answer: If you challenge the items and the 
                                                      reporting agency can not verify in
                                                      30 days can be removed. If items
                                                      are paid many times the reporter
                                                      will not take time to answer the
                                                      request made by you so they will 
                                                      be removed. 

6. Why do i have no credit score?
                                        Answer: Scores are based on the last 2
                                                        years of history. If you have not
                                                        had any reporting in 2 years you
                                                        may have no score.

7. I can't download my report.
                                        Answer: Try again and if you cant do it the
                                                        2nd time you may have to request
                                                        the report by mail. Follow the
                                                        instructions in there web site.

Every time we have a email question we add it to this list.

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