How Credit Repair Works
No cost to start
Get started at no cost “Case Setup,” where together, we’ll match your questionable credit report with just the right legal interventions and challenges.
Complete credit visibility
From your client dashboard, you can monitor progress being made on your case, activity on your credit report, and evaluate what factors are positively or negatively impacting your credit score.
Fight for your reputation
We direct tough questions to predatory lenders, greedy credit card issuers, and abusive debt collectors to legally challenge any information that is unfairly reported or cannot be substantiated.
Powerful Expert support
Unlike other companies, we have a team of experts guiding our credit repair process. With the help of our experienced credit repair experts, we help clients address unfair, inaccurate and unsubstantiated items on their credit.
Challenges to multiple credit bureaus
We strategically challenge inaccuracies and discrepancies on your reports with all three major credit bureaus, ensuring a thorough and comprehensive approach to credit repair.
Chat with experienced credit consultants
Our team is here to support you every step of the way. Our credit consultants can support you via web chat for any questions you might have about your credit, the status of your case or any changes to your account.
Frequently Asked Questions
Most negative items will fall off of your report after seven years, though some deletions may take as long as 10. The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. If you’d rather not wait that long, credit repair is a great alternative.
Absolutely not – in fact, we encourage you to check your credit score and credit reports regularly. Checking your own credit score is what’s known as a “soft inquiry,” and does not harm your credit.
A “hard inquiry” is what happens when you apply for a new line of credit – such as a credit card – and a lender checks your credit. Multiple hard inquiries in a short time frame may have a negative impact on your credit score.
For more information on the difference between soft and hard inquiries, you can learn more in this article.
There’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. However, last year alone, HGC clients on average, typically stayed with us for six months. Learn more about the credit repair timeline. Learn more about how we count removals.
Credit repair services are not for everyone. Credit repair can help you work to remove inaccurate, unfair or unsubstantiated negative items from your credit reports. If the negative items on your credit reports have been accurately reported, then they cannot be removed. Credit repair is the best option if you have, or suspect that you have, errors in your credit profile.
If you’re curious about whether or not credit repair is the right option for you, we recommend that you fill out our free online credit assessment.
