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Frequently Asked Questions
Answers To Frequently Asked Questions
Can I Build Biz Credit with a Poor Credit Score?
Unless you earned $3 Million of Revenue over the past 3 years, had about a decade of experience with your business with a entity in good standing & structured properly; you likely have to use Excellent Personal Credit as a Guarantee.
Fret not, personal credit repair is complimentary with Business Credit Enrollment
How Can You remove my negative Items?
Everything on your credit report must be 100% Accurate & 100% timely to be on your report as per consumer protection laws. We leverage the Fair Credit Reporting Act , Fair Debt Collection Practices Act, Fair Credit Billing Act, & Fair and Accurate Credit Transactions Act to legally get rid of your derogatory items if they don't meet those standards.
Do You Charge Monthly?
Some credit repair companies charge you $100 monthly or more. We believe in fairness, we charge about $50 per negative item AFTER they have been successfully removed. When the removals occur, you receive updates & an invoice , and can pay in reasonable installments. We don't charge monthly for services
How Long Does The Process Take?
Every client's file varies. Typically It takes approximately 2-5 rounds of persistent disputes or more to achieve some desired results. Each round the bureaus have 45 days to respond after receiving disputes. This would approximately be 4-10 months or more with postage time.
We have no control over whether it will be 2, 4, 5 rounds of more so we find it fair to invoice you AFTER we have achieved results for you. We
Do you drag the process out to prolong us paying?
You may be accustomed to credit repair companies disputing few negative items at a time, & charging $100/month or more & making little to no progress. We instead invoice you after achieving deletions on your behalf. Most importantly we dispute all of your inaccurate derogatory items at once & typically within 3 business days.
What is all the hoopla about Biz Credit?
Using Business Credit allows you to access larger limits typically with credit products. Often your personal debt to income ratio is not effected.
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support@finlitforum.com
(551) 310-3863