• FAQ's

• Frequently Asked Questions
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Frequently asked questions

1. What is a credit score?

A credit score is a numeric index that represents an estimate of an individual's financial credit worthiness. It is usually reported as a score between 400-900 and is used by lenders to predict the likelihood that you will repay a credit obligation such as a mortgage loan.

2. What is a credit score based on?

Your score is based on such factors as how timely you repay your bills, how you repay your loans, how much available credit you have, and what your monthly debts are.

3. Is credit repair legal?

Yes it is. According to the Fair Credit Reporting Act, consumers have the right to dispute inaccurate, erroneous, and/or obsolete items that appear on their credit report. Raptor Credit Repair specializes in the most effective methods in contesting these items on your credit report through every legal tool available.

4. Can I do this on my own?

Absolutely, you can do it on your own. Many people find, however, that they don’t have the time or the expertise needed to deal with credit bureaus effectively. This is when Raptor Credit Repair stands by ready to help.

5. Can you guarantee results?

No, and it would be irresponsible for us to make such a claim. No person or company can remove accurate negative information from your credit report through legal means. We do promise to diligently contest any inaccuracies on your credit report using the most effective means available. As stated previously, we have employees who have worked for credit bureaus so we know how to get results.

6. Should I sign my spouse up at the same time?

Since spouses often share the same accounts, Raptor Credit Repair strongly recommends that you sign up as a couple. Take advantage of our 20% spouse discount and watch your credit rise from the ashes together.

7. How long does the credit repair process take?

Typically, people begin seeing results in 45 to 60 days from the time we receive your credit reports. Based on your individual circumstances, your credit may be rehabilitated in as little as 90 days or it may take closer to a year. Be assured that Raptor will be working on your behalf no matter how long it takes.