Frequently Asked Questions (FAQs):

“One of our clients had 3 judgments and several charge offs on their credit report.” No case is too complicated, we have sufficient knowledge and experience to tackle any problem and help all clients notwithstanding severity of the situation.

We do, in fact, loan assistance is one of our most popular services. First United Consulting creates a profound comprehensive strategy in order to secure loans and help you achieve goals. We have been working with financial institutions for more than 16 years and know what exactly is necessary for approval. Besides, we have strong ties with a wide range of lending organizations nationwide and would gladly leverage our connections and knowledge for your benefit. Our specialists would engage in interaction with financial institutions, mortgage brokers and loan officers on your behalf negotiating the best loan conditions possible and making your life better and simpler.

Sure, lowering interest rates and mortgage refinancing is very real even if your credit history is far from perfect and your credit score is not high. We can improve your credit history and prepare your case to make you eligible for that. Please, call us to discuss your case.

Yes, we frequently build credit histories from scratch. Obtaining secured credit cards from major banks is a great starting point, but our strategy will depend on your specific short-term and long-term goals.

Not all financial institutions and lenders are members of all three credit bureaus. If they’re not members of a specific credit bureau, their information won’t appear on that bureau’s credit report.

Right to View: You can receive a free credit report once a year, or more often if your credit application is rejected.

Right to Know: You are entitled to know every entity that has checked your credit report.

Right to Verify: You can request verification of incorrect information, requiring agencies to investigate disputed items.

Right to Insert Missing Data: Positive credit information not shown on your report can be reported to credit agencies.

Right to Remove Outdated Information: Negative data over seven years old (10 years for bankruptcy) should be removed.

Right to Explain: You can include a 100-word personal statement in your credit report.

Right to Privacy: Only authorized entities may access your credit report.

Right to Transfer Nationwide: Your credit report follows you wherever you relocate in the U.S.

Right to Small Claims: If you can’t resolve inaccurate credit data traditionally, you can present your case in small claims court.

Right to Know Why Credit Was Denied: Creditors must explain their reasons for denying your application.

Most negative information can stay for seven years, while bankruptcies (Chapters 7, 11, and 13) are reported for ten years.

Low credit scores typically result from late payments, collections, or charge-offs. Higher credit scores mean better loan conditions and higher borrowing limits.

A credit score is a number between 350 and 850 calculated based on your credit report. Higher scores lead to better loan conditions, lower interest rates, and higher credit limits.

Our professional consultants have helped clients increase their credit scores and clean up their credit histories for over 14 years. We handle the complexities, saving you time and frustration, while improving your credit score.

Yes, it’s entirely possible, and we do this daily. Federal law provides opportunities to dispute incorrect data and improve credit reports. We ensure accurate records by disputing all questionable information. If bureaus cannot verify the data, they must delete it. Our comprehensive credit restoration strategy includes other measures to boost your score and help you build a positive credit history.