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Frequently Asked Questions

1. How often should I expect to get mail from the credit bureaus?

Every 36 to 45 days after a dispute you should expect to get an updated credit report.

2. What should I do with the mailed credit reports that I get from the credit bureaus?

Immediately or at your earliest convenience, make copies and send it to us via fax, 800-504-0399, or mail to 244 N Main St. Jonesboro, GA 30236. You can also scan and email the credit reports to

3. What can you take off of my credit bureau report?

We can take off unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens,  civil liens, judgments, student loans, credit card debt, inquiries, slow pays, old addresses and all incorrect names.


4. Will the accounts you take off my credit bureau report ever come back?

On average only 1 out of 5,000 will re-appear back on your credit when the account is removed.


5. Who are the three Credit Bureaus?

Experian, Transunion and Equifax.

6. How long does information remain on my report?

Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 Bankruptcies are each reported for 10 years and the date is measured from the date of the filing.  Inquiries generally fall off after 2 years.

7. Why do Credit Bureaus not want me to use a Credit Repair Company?

The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work because they are inexperienced and really don't know how to properly dispute items on their credit.


8. How long would it take Expert Credit Consultants Inc to repair my credit?

There is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. On average it takes between 90 to 180 days for Expert Credit Consultants Inc to attempt to repair your credit.

9. Does paying off my bills repair my credit?

The credit reporting system doesn't work that way.  When you pay an old debt, the negative credit listing doesn't disappear. In fact, it re-ages and the seven year clock begins again with that negative listing.  The most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing.


10. How does a Credit Bureau make money?

A credit bureau is a commercial business. It makes money by selling your credit report to others. A person with bad credit means more business for them. A person with bad credit applies for credit about ten (10) times more than a person with good credit.


11. Who can see my credit report?

Anyone who wants information for a business transaction between you and them may obtain your credit report. This may include an insurance company, a prospective landlord, a prospective employer, a collector or a government official.


12. Why should I use a Credit Repair Company?

The most common reasons are that individuals either have already tried themselves with limited results, or they just don't have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible.


13. How does credit repair companies do this legally?

Disputing your credit report is your right. You have the right to hire a credit repair company to assist you in repairing your credit, however, it is important to choose a company that is 100% legal and registered to do credit repair.  Many companies or individuals will offer the service and are acting or working in the industry illegally.  Always check with the state in which the company is registered to verify the individual or company is real.


14. Do you guarantee your service?

We guarantee that we will provide you with the most efficient service to repair your credit and/or build your credit.  All situations are different.  According to the items negatively affecting your credit report or the amount of credit debt you have established, all or most situations receive different results.  We work to get you the best results possible.

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