Frequently Asked Questions

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 At any time, you can log into your on-line account page to view up-to-date progress. There is a timeline and progress report as well as a credit analysis view. 

 It is your right and responsibility to assure the accuracy of the items on your credit reports. If the information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors. 

 A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default.