Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t verify these items are fair and accurate, they are required to remove them. Also, it’s our name.

Unfortunately, we can’t guarantee anything. But we can promise to help you work to address any unfair or inaccurate negative items hurting your credit profile.

Honestly, we can’t say. There’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have seen an average increase of 40 points in just four months*, and have typically stayed with us for six months.

Yep. You just need to contact the bureaus and your creditors to address any errors on your credit. That being said, this process is time consuming and confusing. Working with a reputable credit repair company like Atlantic Financials can help you remove these items from your reports quickly and efficiently.

Of course. You have a right to a fair, accurate and substantiated credit profile. Credit repair is simply one of the ways to help you get there.

Anything in your credit history that could lower your score is a negative item. Things like collections, late payments, charge-offs, liens, bankruptcies, repossessions and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.

No, but it might feel like it. Most negative items will fall off of your report after seven years, though it could take as long as 10. If you’d rather not wait that long, credit repair is a great alternative.

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.

You might think so, but unfortunately it does not. When you pay an old debt, the negative credit item doesn’t disappear, but is typically listed as a paid delinquency, charge-off or collection. If your goal is to repair your credit, just paying off your debts won’t get you there.