Incite Strategies

Frequently Asked Questions

Does pulling my credit hurt my score?

Not at all! Pulling your credit through our services will not appear on your credit report.

How long does credit repair take?

Short answer: Normally about 6 to 8 months. However, it’s important to remember that everyone’s situation is different. Your specific credit report, your ability to continue to pay on time, and whether you follow our recommendations all affect how long the process lasts.

The credit training we offer can provide a major boost to your credit score and can be a long-term solution for continual growth, especially for those with a score below 720.

However, there are limiting factors that will prevent us from helping you. Two main factors are:
(1) your financial situation and/or
(2) the time frame in which you need to reach your results.

One thing you can be sure of is that we are working our hardest to resolve your credit issues!

Do I have to sign a contract for a certain amount of time?

Nope! After starting the process, we bill at the end of each month once the work is complete. If you want to stop the process at any time, just give us a 30 day notice and we’ll only bill you for services rendered.

How does credit repair work?

Your credit score changes in two general ways: Up for positive events (like paying off credit cards regularly) and down for negative events (like missing a card payment). We go after your score on both fronts.

Because over 70% of credit reports contain errors, we start by working to remove negative events from your credit history.  According to the Fair Credit Reporting Act, credit reports must be 100% accurate, entirely fair, and fully validated. We communicate directly with the credit bureaus on your behalf. If your rights are being violated, we fight for you directly!

Second, we coach you on strategies you can use to raise your score as we go. As we get those negative dings removed from your history and you start accruing positive events, your score will start rising in leaps and bounds!

You can keep track of your progress from your client portal, and we’ll stay available for any questions you might have.

How do we start the process?

1. Just click the “Get Started” button on this page to start the process.
We will begin by pulling your credit report from all three credit bureaus. Because each bureau has its own “data furnishers,” the information across the bureaus can also be different, allowing for a multitude of errors.

2. We review your credit report to determine your credit issues. If you have supporting documentation regarding any issues, it is important you provide this to us.

3. We work with the bureaus and data furnishers on your behalf to determine what can be removed from your credit report. While we are doing this for you, we make additional recommendations of steps you can take to improve your score.

4. As you receive letters from the data furnishers and credit bureaus, you upload the letters into your client portal. We provide you with updates each step of the way so you can track your progress.

How long does it take bureaus to respond to disputes?

The credit bureaus are required to investigate within 30 days of a dispute. You can plan on receiving responses roughly every 45-60 days once we factor in mail time.

Can’t I fix my own credit?

Yes, you can. If you’ve got a simple, obvious error, you may try to complete the process on your own.

If your situation is more complicated or you don’t know where to start, it may be best to hire a professional. If not handled carefully, you may accidentally do more harm than good, extending your credit recovery time!

How long does negative information stay on my score?

Negative information stays on your credit report for up to 7 years, and bankruptcies can stay up to 10 years. Even if you have paid a collection or charged-off account, that account will remain a “negative event” on your credit report, despite being paid off!

What type of negative information does incite strategies help with?

  • Identity Theft
  • Collections
  • Medical Collections
  • Late Payments
  • Bankruptcy
  • Inquiries
  • Old Addresses
  • Foreclosures
  • Any Inaccurate/Incomplete Information
  • Credit problems post divorce
  • Charged Off Accounts
  • Repossessions

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