You can access your credit reports from the three major credit reporting agencies: Equifax, Experian, and TransUnion. You're entitled to a free copy from each agency once every 12 months through AnnualCreditReport.com. These government-authorized website allows you to request and review your reports online, by phone, or by mail. Always remember, staying on top of your credit reports helps you monitor your credit health and catch potential errors early.

The specific steps that can help you improve your credit scores will depend on your unique credit situation. But there are also general steps that can help almost anyone’s credit. Remember, improving your credit score involves a combination of responsible financial habits and strategic actions: Monitor Your Credit: Regularly check your credit score and report to track changes and stay informed. You can dispute any incorrect items with the credit bureaus. Don’t Miss Payments: Consistently paying your bills on time is one of the most important factors in maintaining a good credit score. Note: Payment history is one of the most important factors in determining your credit score. Reduce Credit Card Balances: Pay down revolving cccount balances. Note: High utilization hurts your credit scores. Limit how often you apply for new accounts: Opening multiple new credit accounts in a short period can negatively impact your score. Note: Each application may lead to a hard inquiry which could lower your score. Keep Old Accounts Open: Length of credit history is important, so keep older accounts open and active to maintain a longer history. Diversify Your Credit Mix: Having a variety of credit types (credit cards, loans) can improve your score, but manage them responsibly. By following these steps and working with our experts, you can see significant improvement in your credit score and overall financial health.

The credit repair process varies depending on your unique situation, but most clients begin to see noticeable improvements within 35 to 90 days. Credit Bureaus will investigate your dispute letters and will send you responses every 35 to 45 days. But the entire process might take 4 to 6 months, sometimes it may take longer than that depending on the result of the credit bureaus investigation. Please note that everyone’s case is different, no two people have the same things on their credit. We’ve seen people get results in one month while others graduate in 18 months. We monitor this whole process and keep you informed on what you could do to speed up the process during this time frame. We have had clients gain up to 200+ points and all removals within the first 60 days, but those are not typical for everyone. Book a call with our experts to claim your Free Credit Consultation today!

Absolutely! You can repair your credit on your own. Every individual has the responsibility to monitor and protect their own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. However, it can be complex and time-consuming to navigate. Our professionals have the expertise and resources to address credit issues efficiently and effectively, saving you time and helping you achieve better results. Wavy One Solutions steps in to help when you need professional assistance from people who work with the bureaus and these laws every day.

It is your right and responsibility to assure the accuracy of the items on your credit reports. If the information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

It is possible for negative items to appear on your credit report again, after they were deleted to be verified by a creditor. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-inserting an item that has been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible. Again, you must be informed before an item that was taken off before can be reported again. Once removed, it is quite unusual for a listing to show up again. If an item is re-reported, it is a simple matter to challenge the listing again and press for permanent deletion.

While paying your bills on time is crucial for maintaining and improving your credit score, it may not fully restore your credit if you have other issues such as past delinquencies or errors on your credit report. Consistent, timely payments will have a positive impact on your credit over time and can prevent further harm to your credit score. However, for complete restoration, you may need to address other factors such as removing inaccuracies from your credit report or resolving outstanding debts. Let our experts guide you through the process for a comprehensive approach to credit repair.