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Frequently Asked Questions

A Credit Consulting Inc Company

Take the First Step to Improve Your Credit

With our experienced expert credit consultants, we help you legally repair your credit and protect your rights. 

We can remove anything erroneous you can imagine, here is a list of some:

  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgements
  • Repossessions
  • Personal Information Changed or Corrected
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Collections, foreclosures, etc.

It’s a fact, that Millions of Americans have bad credit due to incorrect or erroneous reporting on their credit profiles. At INSTANT CREDIT HACKS we’re on a mission to work with each impacted individual or business and help them to repair their credit and enable them the ability to access their goals of financial freedom.

Without a credit score of at least 620 you are unlikely to qualify for a home loan, and even then, you may find it difficult to get approved. Scores of 700 or higher are ideal for securing low interest rates and moderate monthly payments.

A credit score is the three-digit number between 300 and 850 that is meant to give a sense of a person’s credit history. The longer your history, and the better you’ve done paying your bills, the higher your score will be. While a credit report includes a comprehensive rundown of when you’ve borrowed money and whether you have any delinquent accounts or bankruptcies in your history, the credit score is just a simple number that’s meant to summarize the more complete picture painted by your credit report.

The biggest issue with having poor credit is all the ways that it can affect your life today, tomorrow, and in the future. Since you’ve taken the first step to improve your credit profile, I’m sure you can relate to the way having a poor credit profile can impact your life. You may have experienced:

  • High interest rates on your credit cards and loans
  • Difficulty getting a mortgage
  • Credit and loan applications getting denied
  • Difficulty getting approved for an apartment
  • Extra Security deposits on utilities
  • Difficulty getting a cell phone contract
  • Higher insurance premiums
  • Calls from debt collectors
  • Difficulty purchasing a car
  • Difficulty starting your own business

Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that there was negative erroneous information associated with that account (such as a late history) that has now been removed. If an account was removed all together from your credit report, it means that the item was a negative erroneous listing against you.

As you consider retaining INSTANT CREDIT HACKS you would do well to look at the price you are already paying for bad credit. Below are just a few examples of the cost of bad credit.

Credit Cards:
Most if not all prime credit cards are entirely out of reach to consumers with bad credit. And the few credit cards that are available to them (known as “sub-prime” cards) typically require high setup fees or recurring monthly fees, offer very low credit lines, often require cash deposits, and in most cases do not even report your positive credit activity to the credit bureaus.

Automobile Financing
If you are making payments on a car, you are probably paying between $1,500 and $5,000 more just for having bad credit. This added interest shows up every month in a higher payment.

Home Mortgage
Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit.

Each situation is different. We generally tell all our clients that they can expect anywhere from 1-3 months to see a noticeable difference, to 6-12 months to complete the service. Credit repair is a process and although we work quickly to repair your credit, we can only move at the credit reporting agencies, court houses, and creditors’ pace.

Any amount of bad credit is devastating to your chances of being approved by a credit grantor. Most credit grantors never actually look at your credit report.

A computer pulls your credit report, rates your credit standing, income, indebtedness, and stability, then spits out an acceptance or denial. Even one or two slow pays will usually trigger a credit card or personal loan denial.

The slightest amount of negative credit could cause the interest on an auto loan to skyrocket. You will probably find that even a little bad credit, regardless of how much good credit you have, is an unacceptable barrier to credit approval.

Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file. That’s why it is extremely important to use a credit repair service that repairs not one, but all three of your bureaus.

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