That's an excellent question. At 700 Credit Scores LLC, our approach sets us apart from most other companies. While they typically only dispute 2-3 items per month, we take on the challenge of addressing every piece of negatively reported information each month. As a result, our clients can expect a significantly shorter program time.Nevertheless, it's essential to understand that credit repair is a gradual process that demands both time and patience, coupled with maximum effort. Most clients begin to witness some changes on their credit report within approximately 45 days, with more improvements occurring after each cycle of challenges we undertake. It's worth noting that while some clients experience steady progress, others may observe minimal changes for 4 to 5 months, followed by a sudden influx of removals, deletions, and updates. This emphasizes the importance of patience and persistence in achieving successful credit repair.We refer to this as the "TMF" or "Too Much Factor." Over time, our persistent challenges put financial and time strain on the credit bureaus as we present substantial evidence. Eventually, this leads them to remove the disputed accounts. However, it's crucial for you to remain patient, especially when dealing with the most stubborn negative accounts. With enough tenacity and perseverance, there is hardly ever an account that cannot be removed.Our advice to you is: Don't Quit! Stay committed to the process, and you will undoubtedly achieve success in the long run.
Every 35 days, at the end of the dispute cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed. These might include pointing out that a credit card balance increased significantly, and advice on what you can do to help us help you.
I can see that negative accounts are being removed, but my score isn’t changing. What’s up with that?
This is totally normal. Depending on the balance of negative and positive accounts, it may take a while to remove enough negative items and add enough positive information to really shift the balance and see that reflected in your score. That doesn’t mean nothing is happening, though. Every reported negativity we remove strengthens your overall credit profile and makes you more attractive to lenders and credit card companies, which is the goal. Here’s a secret though: Your score doesn’t really matter. What matters is the overall makeup of your credit profile. We know PLENTY of people whose scores can be above 725, yet because of their overall profile no one will finance them a dime. But, even if you have a lower score but your overall profile is healthier, you have a better chance of being approved for what you want, which is the only purpose for credit in the first place.
Unfortunately, with hundreds of clients, we have to streamline communication. As you can imagine, everyone has their preferred method of communicating, so if we have people trying to text, WhatsApp, FB message, or calling our personal cell phones, communication can quickly get lost and you will feel unimportant, which is certainly not the case. Because we want you to get the attention your concern deserves, we funnel all communication through either your Secure Client Portal or by email to [email protected]
Absolutely! Due to the current climate, our staff is largely remote to keep everyone safe and comfortable. Because of this, the easiest way to get on the phone with your Credit Improvement Expert is to contact your credit specialist or send us an email to [email protected]. Please be sure to let us know exactly what you have questions about so that we can help you in the best way possible.
Due to regulatory restrictions, we can only have access to an updated credit report every 30 days at the earliest. So, if you get a notification from one of your apps that something has changed, been removed, or updated, we will not be able to provide any details about it until we are able to pull an updated report at the end of the 30-day period.
Your payment date will be on the anniversary date of the day you signed up initially. For example, if your first payment was on the 16th of the month, you will be billed on the 16th of every month. The only exception is: if the 16th falls on a Sunday, the bank that does our payment processing may process your payment on the Saturday before.
We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal or email it to [email protected]
Always ask if they are a debt collector or collections agency, and do not give any information about you, including your name. Simply tell them that you want all communication to be through the mail and that you do not give them permission to contact you on the phone.
This is completely normal. During the repair process, challenged items get placed into a Disputed Status that affects the way the information is calculated. In fact, it is common to see a large drop in the first month or two of repair, but again this is normal, and nothing at all to get concerned about. Once the investigations are completed and those accounts are removed, the scores will reflect the correct changes.
Well, that is because you don’t actually have a credit score. You have a Credit Profile which contains all your information. The information on your Credit Profile gets run through an algorithm called a Scoring Model which gives particular values and weights to the information in your profile, which then gets calculated to create your score. There are dozens of different Scoring Models, and they all calculate the information slightly differently, so your score will be different on all of them all even though they are calculating the same information. The two main Scoring Models are FICO and Vantage, and there are even several different versions of the FICO and Vantage scores. The main thing to know is that as long as negative items are being removed and you are consistently adding positive information in the form of on-time payments and low balances on your credit cards, your credit will improve.
We ask all our clients to hold off on applying for credit during the credit repair process and more than likely you will be declined for credit and you will be adding inquiries to your credit report, which will have to charge extra for additional negative items on your credit report.
We don’t touch late payments on open accounts, active bankruptcies, and hard inquiries with open credit card accounts.
Credit repair is the process of removing inaccurate, outdated, or unverifiable information from your credit reports. These negative items — like collections, late payments, and charge-offs — can hurt your credit score. By using consumer protection laws like the Fair Credit Reporting Act (FCRA), you can dispute and potentially remove these items to legally improve your credit. It’s not about tricking the system — it’s about holding credit bureaus accountable to the law.
Yes, and you should. Collections and charge-offs aren’t always reported accurately, and you have the right to dispute anything that can’t be verified. Removing these accounts can increase your score significantly, especially if they’re recent or unpaid. Many clients see results in 30-60 days after properly disputing these accounts.
To qualify for a mortgage, most lenders want to see a score of at least 620–680, depending on the loan type. Fixing late payments, removing collections, lowering credit card balances, and building positive history are all key. We start by identifying what’s holding your score down, then create a step-by-step plan to boost it — legally and fast. The sooner you start, the closer you get to homeownership.
Yes, it’s possible. Late payments can be removed if they’re inaccurate or unverifiable, and sometimes even if they’re accurate but certain consumer laws were violated. Each case is unique, but we’ve helped many people update late payments to “paid as agreed” by challenging the furnisher under the FCRA and other applicable laws.
Not if it’s done legally and ethically. Unfortunately, many companies use shady tactics or make false promises, which gives the industry a bad name. Real credit repair is legal, and there are laws in place that protect your rights as a consumer. The key is working with someone who understands consumer law, not just credit scores.
Most people have no idea — and that’s the problem. It could be old collections, high credit card balances, or even errors you didn’t know were there. We begin by analyzing your full credit report from Experian, Equifax, and TransUnion to identify the exact negative items that are hurting your score. Then we attack them with a legal strategy, not guesswork.
You can do it yourself — but it takes time, patience, and a solid understanding of consumer laws like the FCRA, FDCPA, and FACTA. Most people give up after getting a “verified” letter back from the bureaus. A professional knows how to keep applying pressure, identify violations, and escalate the dispute process if needed. Think of it like representing yourself in court vs. hiring a lawyer — it’s doable, but risky.
Some people start seeing results in as little as 30 days, while others take 3–6 months or longer, depending on the number and type of accounts being disputed. If you're trying to buy a house or get funded for a business, time matters — which is why we use custom legal dispute letters and proven tactics to speed up results when possible.
Absolutely. Personal credit is often the first thing lenders look at — even for business loans. A strong credit profile can help you qualify for $50k–$100k+ in 0% business funding, premium credit cards, and low-interest loans. Many entrepreneurs don’t realize their personal credit is the biggest thing holding them back from growing their business.
The first step is simple: pull a full 3-bureau credit report so we can review exactly what’s on it. From there, we create a custom plan to dispute negative items and boost your credit score. You don’t have to guess, and you don’t have to do it alone. Booking a free consultation gives you a clear roadmap — and puts you back in control of your financial future.