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Frequently Asked Questions

  • Why RDT?
    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. What sets us apart from the rest is that we take the time to educate each customer while restoring your life. During this process we will teach you how credit truly works and how to maintain your score.
  • Is Credit Repair Worth It?
    Many people tend to think credit repair is irrelevant until they need it. But it is always better to start improving your credit now than waiting until you need to apply for a loan. Having a subpar score will limit you from competitive interest rates on loans, which can add up to thousands of dollars over the course of the loan. When you compare the price of credit repair to a higher interest rate on a 30-year mortgage loan, it is easy to understand why credit repair is worth it.
  • When Will I See Results?
    There is no definite answer, only definite advantages as the time varies depending on the initial status of each customer. On average it takes between 45-105 business days to start seeing changes. Unlike most companies that only dispute two or three items per month, RDT challenges every piece of negatively reporting information every month, which results in a much shorter total program time for our clients. However, please always keep in mind that credit repair is a process, and that process takes time and patience as well as maximum effort. Most of our clients will see some changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send. However, there have been a few clients who had very few changes for 4 or 5 months, and then all of the sudden there was a landslide of removals, deletions and updates. Patience and persistence is the key to successful credit repair. Even for the most stubborn negative accounts that took many, many rounds, there has rarely been an account that could not be removed with enough attacks and enough patience. But we need your patience in order to reach this point on the most stubborn items. Our advice: Don’t Quit! You will be successful in the long run.
  • What are Equifax, TransUnion, and Experian (the "Bureaus")?"
    The Bureaus are what we call Credit (or Consumer) Reporting Agencies. They’re privately held companies (just like McDonalds or Walmart) that sell your personal and financial information in the form of “credit reports” to businesses who use that information to make an educated decision on whether or not to lend to you. Due to shady practices by these companies in the past, and the ever-growing importance of credit in the lives of Americans, the government created laws to empower consumers to defend themselves from misrepresentation. Unfortunately, even with these laws in place, the processes to challenge these entities and the information they report about you can be very complex and time-consuming.
  • How often are credit scores updated?
    Every 35 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results.
  • I can see that negative accounts are being removed, but my score isn’t changing or it lowered. What’s up with that?"
    This is totally normal. Depending on the balance of negative and positive accounts, it may take a while to remove enough negative items and add enough positive information to really shift the balance and see that reflected in your score. That doesn’t mean nothing is happening, though. Every reported negativity we remove strengthens your overall credit profile and makes you more attractive to lenders and credit card companies, which is the goal. Here’s a secret though: Your score doesn’t really matter. What matters is the overall makeup of your credit profile. We know PLENTY of people whose scores can be above 725, yet because of their overall profile no one will finance them a dime. But, even if you have a lower score but your overall profile is healthier, you have a better chance of being approved for what you want, which is the only purpose for credit in the first place
  • How do I send messages to RDT? Can I just send a text?
    Unfortunately, with hundreds of clients, we have to streamline communication. As you can imagine, everyone has their preferred method of communicating, so if we have people trying to text, whatsapp, FB message or calling our personal cell phones, communication can quickly get lost and you will feel unimportant, which is certainly not the case. Because we want you to get the attention your concern deserves, we funnel all communication through either your Secure Client Portal (make this a link) this way everyone on my team has access to assist you.
  • Can I book an Update Call to have a conversation about my file updates and results?
    Absolutely! Due to the current climate, our staff is largely remote to keep everyone safe and comfortable. Because of this, the easiest way to get on the phone with your Credit Improvement Expert is to book a call using the page below. Please be sure to let us know exactly what you have questions about so that we can help you the best way possible. Book an Appointment.
  • I got a notification from one of my apps that something has changed! How can I see what it is?
    Due to regulatory restrictions, we can only have access to an updated credit report every 30 days at the earliest. So, if you get a notification from one of your apps that something has changed, been removed or updated, we will not be able to provide any details about it until we are able to pull an updated report at the end of the 30-day period.
  • What do I do with the letters I receive?
    We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal.
  • What if a creditor calls me on the phone?
    Do not give any collection company any information about you, including your name. Simply tell them that you want all communication to be through mail, and that you do not give them permission to contact you on the phone.
  • Why does CreditKarma keep sending me notifications that my scores keep jumping and dropping?
    This is completely normal. During the repair process, challenged items get placed into a Disputed Status that affects the way the information is calculated. In fact, it is common to see a large drop in the first month or two of repair, but again this is normal, and nothing at all to get concerned about. Once the investigations are completed and those accounts are removed, the scores will reflect the correct changes.
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