E-Fix FAQ'S Questions? Contact Us! HomePersonal CreditBusiness CreditBusiness FundingFinancial ProductsResourcesFAQ'sAbout CONTACT USLOGIN Frequent Questions & Answers Personal Credit FAQ's Business Credit FAQ's Business Funding FAQ's What is Credit Repair or Credit Restoration? Credit repair or restoration is a process where you would challenge or dispute negative/derogatory items that are inaccurate or unverifiable. In short, our theory is that Credit Repair/Restoration is no about removing every single erroneous item from your credit reports, but it is more so about getting ones credit to a place where you can move forward with your financial goals such as: Purchase a home Purchase a new vehicle or a dream car Rent or lease a home Further employment opportunities Position oneself not to be subjected to high interest in terms of financing Lower the cost of borrowing personal or business capital Is credit repair legal? Yes, credit repair is 100% legal! According to the Credit Repair Organization Act (CROA), we operate legally under the law, rules, policies, and guidelines set forth in accordance with CROA. Here is a link to CROA: https://www.ftc.gov/enforcement/statutes/credit-repair-organizations-act I have very bad credit can I use a corporation to establish credit now? As we have discussed in many of our previous questions, personal credit is not a prerequisite for business credit, although having a good personal credit score can make obtaining business credit easier and quicker. So the answer to this question is yes. However, business credit is intended for business use and is not a substitute for personal credit. By learning how to manage money, use credit wisely and properly structuring a business, our E-Fix Clients are able to build a strong financial foundation both personally and for their business, no matter what their situation. How long does it take to repair credit on average? For the average credit file, it could take up to 6 months or less. There are some scenarios where there is more extensive work required and these type of files could take longer than the average timeframe. In conjunction with our processing team working on a clients behalf, we ask that all clients follow recommendations such as not to incur late payments, new negative accounts, excessive inquiries, and establish/maintain positive payment history which is part of our Client Agreement. E-FIX SERVICES - Personal Credit - Business Credit - Business Funding - Financial Products - Client Login RESOURCES - Education Resources - FAQ's - Testimonials - Privacy Policy - Terms & Conditions OTHER - Affiliates - About Us - Contact Us ABOUT US Now we have offices throughout the United States and a headquarters in San Francisco, all working toward our goal of helping you overcome your credit troubles. Schedule a Free Consultation Today! 1-855-687-3349 Weekdays 9am to 5pm ET Copyright 2013/2021 - E-Fix Credit Solutions - All Rights Reserved