Kreditkingdom

Frequently Asked
Questions

Part of our mission at Credit Saint is to educate as many people as we can about credit. When it comes to credit, what you don't know CAN hurt you, so learn as much as you can. If your questions are not answered on this page, call one of our specialists. They will be happy to handle any questions you might have.
FAQ

You can learn more from our asked questions

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Each of our programs costs are explained in detail on the Programs page

You will be given an on-line account page where you can watch progress. There is a Time Line and Progress Report as well as Credit Analysis component.

Sure, It's your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. Credit Saint is here if you need help from professionals who work with the bureaus and these laws every day.

No. That is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments. Our effectiveness is one reason why we're ranked as the top credit repair agency by Money.com

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.

 
It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

 

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

 

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

 

Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.

 

Credit Saint can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed

 

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