Frequently Asked Questions

1. How long does credit repair take?

It is inappropriate for any firm to promise a particular result or a certain time frame. Though we can give you an idea as to how our clients have performed in the past, your personal experience may vary. When credit reports are promptly sent to us, many clients have seen exhilarating progress within the first 60 days. Statistically, our participating clients have seen an average of 8.7 deletions or 25.7% of their presenting negatives from their combined credit reports by month 3, and 28.6 deletions or 84.7% of their presenting negatives by month 12.

2. What if deleted items reappear on my credit report?

On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before the re-report (of) a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they\'ve been deleted.If a questionable credit item is re-reported, it is a simple matter to challenge the listing again at a future time (and) press for permanent deletion.

3. Does paying my bills restore my bad credit?

You would think that would be true. But, again, the credit reporting system just doesn\'t work that way. When you pay an old debt, the negative credit listing doesn\'t disappear. Once paid, it may appear on your credit report as a paid delinquency, charge off or collection (whatever the case may be). That is, you won\'t get very far paying your debts unless you also work to restore your credit at the same time.

4. Do I need to see my credit reports first?

Most people visit this web site after they have been denied credit. Some don\'t even know what questionable negative listings are appearing on their credit report. One amazing thing about bad credit is that almost any small amount of bad credit will usually trigger credit denial. A little bad credit isn\'t much better than a ton. So, if you believe that there might only be a couple of questionable negative listings on your credit report, it still makes sense to retain us to take action on those items. In any case, if your credit comes back all positive or you decide all items are accurate and verifiable, we will refund any fees.

5. Do you guarantee your credit repair service?

It is important to understand there are no guarantees involved with legal credit restoration services. Just like in a court of law, an attorney could never guarantee a client that the judge or jury would find in their favor. In fact, any credit repair company that guarantees success is probably not being honest with you. Wright Time and its associates are held to the highest ethical standards and professional conduct. You can also count on our firm\'s generous refund policy.