FAQ Process

Process

How Long Will It Take To Repair My Credit Report?

Our clients typically start seeing results in 45-60 days. Because everyone's case is different, some cases are completed in that time, but the average lenght for our clients is 6 to 8 months. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where Box of Credit's expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.

Can Box of Credit Remove Bankruptcies From My Credit Report?

Every consumer’s situation is different. If you have a bankruptcy on your credit report that you feel is inaccurate, misleading, incomplete, or unverifiable in some way then we can dispute it for you. As for getting it removed from your credit report that is not something we can promise or confirm. However, Box of Credit has successfully removed bankruptcies from our clients' credit reports in the past.

Can I Cancel Anytime?

Yes. We require no long term contracts. You can cancel at anytime, and our refund policy is effective from the day you start working with us.

Will Box of Credit Simply Dispute All My Negative Items?

No! Federal Law requires that all disputes be submitted in good faith. When you become a client of Box of Credit, you'll provide us with the necessary information about the items on your credit report that qualifies for a good faith dispute. We compile that information and use it to create your custom dispute letters. We will dispute any item, positive or negative, that you review and mark for dispute. Not only is our process legal and in compliance with the FCRA, but it results in more efficient and effective disputing.

Several companies out there simply take your credit reports and generically dispute every negative item without any information from you regarding the legitimacy of the negative items. Not only is this process illegal, it is ineffective and results in an extremely high return of frivolous responses.

Does Box of Credit Provide My Credit Report?

No. When you become a client of Box of Credit, we request that you submit your credit report to us. If you don't have a copy, don't worry. We'll show you where you can get a copy of all three reports for free. If you do not qualify for a free report, we show you a number of websites where you can purchase reports online for a low cost.

We do not provide your reports to you because the process of obtaining your report would result in an inquiry being placed on your reports. Each inquiry negatively affects your score. Our goal is to help you raise your score - not lower it. If you obtain your report yourself and submit it to us, no negative inquiry will appear.

Several competitors will pull your reports for you through their affiliated mortgage businesses. While this sounds convenient, just remember that they are actually hurting your score in the process.

How Do I Submit My Reports And Updates To Box of Credit?

Box of Credit makes it as easy as possible for you to submit your credit reports to us. You can fax them to us. You can mail them to us.  If you are in the area, you can drop them off at our office. You can also provide user information for the website where you purchased the reports and we'll download them for you. If you can think of another way to get them us, let us know and we'll accommodate you. Our goal is to make the credit report repair process as easy and efficient for you as possible.