FAQs
Frequently Asked Questions
A credit score is a number between 300 and 850 that reflects the creditworthiness of a person. The credit score of a borrower enhances the way a potential lender looks, according to the U.S. National Credit Union (NFCU), which NINE million people use every month.
We provide discreet one-on-one counseling in which you may tell us what you want to dispute and how you want us to dispute it. If the credit bureaus receive your complaint, they will accept it and conduct an investigation on your behalf.
Credit bureaus are privately held businesses. They are not government-owned, but they are governed by the government. The Consumer Financial Protection Bureau (CFPB) oversees government entities such as credit card corporations.
A score of 800 or above on the same range is considered to be excellent, while most credit scores fall between 600 and 750. Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts. Your behaviors can be reviewed in the future by others to determine your risk level.