Question 1

How long does credit repair take?

Accepted Answer

Most clients see initial bureau responses within 30–45 days of mailing certified dispute letters. Full removal of negative items can take 3–6 months depending on the number of accounts and bureau cooperation. Results vary per individual.

Question 2

Are tradelines legal?

Accepted Answer

Yes. Becoming an authorized user on someone else's credit card is a legal and widely used credit-building strategy recognized by FICO and the credit bureaus. The practice has been legal since the Equal Credit Opportunity Act of 1974.

Question 3

What credit score do I need to qualify for business funding?

Accepted Answer

Requirements vary by product. Some revenue-based and merchant cash advance products start at 550+. SBA loans and traditional credit lines typically require 680+. Our AI funding matcher identifies the best products for your current profile.

Question 4

How do I dispute items on my credit report?

Accepted Answer

Under the FCRA (15 U.S.C. §1681i), you have the right to dispute inaccurate or unverifiable information. Send certified dispute letters to Equifax, Experian, and TransUnion. Bureaus must investigate within 30 days and delete items they cannot verify.

Question 5

What is a Section 605B block?

Accepted Answer

Under 15 U.S.C. §1681c-2, credit bureaus must block information resulting from identity theft within 4 business days of receiving an identity theft report. This applies to fraudulent accounts, collections, and unauthorized inquiries.

Question 6

Can I get funding with bad credit?

Accepted Answer

Yes. Certain funding products — including merchant cash advances, invoice factoring, and revenue-based loans — prioritize business revenue over credit score. Our platform matches you with lenders based on your full financial profile.

AI Score Simulator

1. Set Your Baseline

2. Select Actions

Remove 1 Collection Account

Remove 1 Late Payment

Pay Card Balances to 9%

Add 1 Aged Tradeline

Apply for 3 Credit Cards

Projected Result

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