Frequently Asked Questions
Is Credit Repair Legal?
YES! Because of the Fair Debt Collection Practices Act, the Fair Credit Billing Act, Truth in Lending Act, and other applicable Federal statutes, it’s your legal right to dispute items on your credit report.
Do You Offer A Guarantee?
We ABSOLUTELY guarantee that we will increase your credit score and/or make improvements to your credit standings.
Why can’t I just do it myself?
You can do it yourself. You can build your own house, represent yourself in court, repair your own credit, or you can hire a team of experts that will handle your accounts in a timely manner and get the job done the right way the first time. Our expertise in the credit restoration industry is unmatched!
Do employers look at my credit score? Could it cost me a job?
Short answer? Maybe. Employers are allowed by federal law to see a modified version of your credit report for purposes of hiring and promotion, meaning it could cost you a job or promotion.
Can divorce hurt my credit score?
Indirectly, yes. While filing for divorce won’t hurt your score, some of the symptoms of divorce could create credit problems. For example, many people miss a payment on their credit during the frenzy of divorce. Or in the aftermath, it may be unclear who is responsible to pay a debt, and payments may be missed. These missed or late payments could adversely impact your score.
What should I do about a collection?
Unless the collection is being falsely attributed to you, pay it. The collection is likely already hurting your credit score, and leaving it unpaid will only make the damage worse.
If the debt is one that you do not owe, our service levels offer debt validation procedures that can help you get the collection removed from your credit profile.
Build My Scores has been a great blessing to us and I personally cannot be more grateful.
This company is outstanding! My credit was horrible I couldn’t even get a secured credit card!!! Now I not only have a secured credit card and a master card but I was able to buy a new car when my old car died. I did it all in my name not even with my husband as co-signer. The people at Build My Score were so attentive to making sure they brought my score up. They called and kept me updated on everything. I could call anytime and always got answers to my questions. I felt so welcomed by them. I would recommend them to anyone who needs help with their credit score. If they could help me, they could help anyone.
Kathleen Pobol
An EXTREMELY Happy Client
