Frequently Asked Questions

We utilize factual disputing methods and leverage the Fair Credit Reporting Act (FCRA) to meticulously analyze your credit reports, identify inaccuracies or unfair negative items, and then dispute them with the credit bureaus and creditors on your behalf. Our expertise in the legal aspects of credit reporting maximizes the removal of these items, leading to a potential boost in your credit score.

Absolutely. We specialize in addressing a wide range of credit challenges, including bankruptcies, collections, charge-offs, repossessions, inquiries, and any other inaccurate or negative items impacting your creditworthiness. Schedule a free consultation to discuss your specific needs and goals.

We handle the complex credit repair work, but your participation is essential. You'll need to provide us with necessary documents, promptly respond to our communication, and continue making timely payments on your existing accounts.

While requirements vary, a score of 620 or higher is generally considered favorable for conventional loans. We can guide you on specific lender criteria.

Auto loan approvals are more flexible, but a score of 660 or higher typically opens doors to better interest rates and terms.

Different credit monitoring apps may use slightly different scoring models or data sources, leading to minor variations. We utilize Credit Hero Score (www.creditheroscore.com), a reliable and comprehensive scoring model, to accurately track your progress and ensure we are improving your credit across all major scoring models.

We provide a secure online portal for convenient document upload. After signing up, keep an eye on your inbox for an email from The Informed Consultant with the address no-reply@secureclientaccess.com. This email will contain detailed instructions on how to access and use the portal. Be sure to check your spam folder as well, just in case the email lands there.

Please note that the credit monitoring service is not included in our credit repair fee. However, we are integrated with two top-tier credit monitoring providers:

Credit Hero Score: Available for a discounted rate of $19.95/month for our clients.

IdentityIQ Secure Max: Also available at a discounted rate of $29.95/month for our clients.

Both services provide comprehensive credit monitoring and additional identity theft protection features.

To ensure a smooth and efficient credit repair process, we require you to have an active credit monitoring service. This allows us to access your updated credit reports monthly and avoid any delays in disputing inaccurate or negative items.

We send you email updates on your credit progress approximately every 30 to 45 days. If you haven't received an update within this timeframe, please feel free to reach out to our support team at support@teaminformed.com.

You can also log in to your secure client access portal anytime to see the progress made on your accounts. Additionally, your chosen credit monitoring service will typically provide updates every 30 days, allowing you to track changes to your credit report in real-time.

We are integrated with Credit Hero Score and IdentityIQ Secure Max, so we recommend choosing one of these two providers for your credit monitoring needs. This ensures seamless integration and allows us to access your credit information efficiently.

If you opt for IdentityIQ, it's important to subscribe to their Secure Max plan. This specific plan provides us with your updated credit report every 30 days, which is crucial for us to effectively monitor your progress and process disputes promptly.

Both Credit Hero Score and IdentityIQ Secure Max offer comprehensive credit monitoring and valuable identity theft protection features. The choice ultimately depends on your individual preferences and budget.

Here's what you need to do:

Provide Proof of Address: Please send us a copy of a recent utility bill (such as gas, electric, water, or cable), bank statement, or another official document that clearly shows your current name and address.

Forward the stall letter to us immediately. These letters can be part of the process, and we'll handle the necessary response to keep your disputes moving forward.

Results vary, but many clients start seeing positive changes within the first few months. We'll provide personalized estimates based on your unique situation.

Please note that certain negative items can take longer to be removed from your credit report, depending on the type:

Collection accounts: 3 to 6 months

Charge-off accounts: 6 to 9 months

Evictions and repossessions: 12 to 18 months

Public records and liens: 12 to 18 months

Rest assured, we're committed to helping you achieve your credit goals.

Most credit repair journeys range from 6 to 12 months, depending on the complexity of your credit profile and the number of items we're disputing.

Our founder, Patrice English, began her journey helping people with their credit in 2021, and we've been building on that foundation ever since. We have a proven track record of helping countless clients achieve their credit goals.

Absolutely! You can find testimonials from our satisfied clients on our website. We encourage you to also search for us on Trustpilot and Facebook to read reviews and hear directly from people we've helped.