FAQS

HOW CAN I IMPROVE MY CREDIT SCORE?

The best answer to this is: PAY YOUR BILLS ON TIME! Late payments, collections and interest will hurt

HOW LONG DOES IT TAKE TO REPAIR MY CREDIT?

This varies on a case by case basis. If you have derogatory information that needs to be disputed with the credit bureaus, 12-24 months is a realistic time frame. If you just need to raise your score a bit, 30-60 days

WHERE CAN I FIND MY CREDIT REPORTS?

The Fair Credit Reporting Act (FCRA) entitles each citizen to one free credit report annually. This can be obtained by a plethora of sources, the easiest is likely www.annualcreditreport.com

ARE THERE ANY FREE TOOLS TO HELP ME WITH MY CREDIT?

There are! We recommend Credit Karma, which pulls information directly from TransUnion and Equifax, sometimes daily. Experian also offers a free monitoring membership. We here at fixmycreditutah.com offer a free credit analysis as well!

FAQ: FAQ