Frequently Asked Questions
Is Credit Repair legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Is Credit Repair and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report. However, that does not mean that everything will be removed. If an item is absolutely reporting correctly and legally and deemed accurate by you, the individual, the item cannot be removed. However, creditors and the credit bureaus are notorious for reporting errors.
What can I expect when I enroll in Credit Repair?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless system.
How long will it take to raise my score?
Through our services, we find that the majority of our clients will see some positive movement and score increases within the first 45 days. This is the maximum amount of time (in most cases) that the credit bureaus have to act and re-report. Remember, as negative items come off of a credit report, it is a fair assumption to make that the score will increase.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report. Now that’s not science based but we feel we’re giving an honest average.
Will the removed items come back?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
These people had amazing results
"Excellent services. NHTR Consulting Co., LLC raised my score 136 points in a little over a year. I highly recommend their services!"
Adam Sendler
"The owner at NHTR Consulting Co., LLC made it happen for us. In 6 months we were able to refi at a great rate! Well worth it. NHTR Consulting Co., LLC removed items we had no idea were on our credit report. Highly recommend their services."
Mila Kunis
"Call back was timely and conversation was very professional. I feel at ease and comfortable. thank you. Look forward to doing business with you."
Mike Sendler
