fbpx

FAQ

Absolutely! You are entitlted to a fair and accurate credit report free of errors, and compliantly reported.

Let us be blunt. The cost of poor credit, or even average credit is expensive. Over the life of a car loan, the fees you pay in interest for poor credit can be many thousands of dollars than you would pay with good credit. Over the life of a mortgage, interest fees could be tens of thousands of dollars more than if you had good credit. Visit our pricing page to see how reasonably priced our services are.

Every situation is different, so it is impossible to predict. Our average client graduates from our services in six to eight months. In some cases, the time could be less, and for the most extreme cases it could take longer.

You will be able to track your progress through our client portal. You will be able to see updates to your credit score with each of the three credit bureaus as well as accounts that have been deleted and updated. You will also be receiving correspondence from the credit bureaus and creditors with their responses to challenges. These will come to you by email or online.

Certainly. There are many things that you can do yourself but trust a professional to. You could replace your own roof or do dental work on yourself. Credit repair is no different. You can do it yourself or trust a professional that has experience and delivers results.

No! This is a common and ineffective practice of the credit repair industry. It simply does not work. The credit bureaus and creditors are well prepared to receive disputes and respond to them. We attack your negative credit items wanting a response. With our personalized and customized attacks and challenges, we present a targeted case that must be read and responded to. This results in more deletions from credit reports than hoping and wishing.

No! The disputing techniques used by most credit repair companies are outdated and ineffective. The use of templates and form letters they send on your behalf have been used many thousands of times. We use the most effective, cutting-edge techniques in the industry to challenge the reportability of each negative item on your credit report. The standard is called METRO2 compliance, which in short is the way in which creditors and the credit bureaus communicate. There is a very specific standard which must be met, and we know exactly how to challenge to deliver the best results for our clients.

Your credit is yours to do what you want with. While we do not recommend it, we cannot stop you. You should know though that when you apply for credit, often times one or multiple hard inquiries will be performed by the potential lender, which can lower your credit score. If new credit is opened, this could also change your credit score. If you are a client and want to discuss the impact applying for credit may have, feel free to reach out to us first.

There are multiple laws that give you the right to a fair and accurate credit report. Even times when there is a correct account listed, the way that the account is reported, and its contents may be deficient or inaccurate. Laws like the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) allow you the legal right to dispute and challenge any inaccurate information within your credit report with the credit bureaus as well as your creditors.

Delete Street helps clients attack their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports. We also challenge the report-ability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient. This is what sets us apart from our competition. We do more for you and change less than most of our competitors.

Absolutely! Not paying your bills or paying late will only lead to damage to your credit.

While it is unlikely, it is possible in rare cases where an item was deleted while being verified, then reinserted after verification. The FCRA states the credit bureaus must inform you before re-reporting any item that has been deleted.

It depends on the type of bill. Paying on time and consistently any revolving or installment account that is reported on your credit report will only help your credit score and establish you as a responsible person who pays their bills.

Any negative information including collections, medical collections, repossessions, late payments, charge-offs, bankruptcy, foreclosure, shorts sales and evictions and more can be challenged.

Get you free consultation
and credit analysis