Frequently Asked Questions

Popular Questions

  • How much do you charge?

    The cost varies from client-to-client-for most cases $500-$1000.
  • What is a Credit Report?

    A credit bureau, or credit reporting agency, collects credit information about you from banks and other organizations, consolidates the information into a credit report and sells the report to lenders, insurers, employers and other businesses with a legitimate need for it. The businesses use the report and a calculated credit score to assess your risk level for credit cards, loans, insurance, employment, leases and more. The primary national credit bureaus are Equifax, Experian and TransUnion. By law, you’re entitled to one free credit report from each of these credit bureaus every year.
  • What Can I do to IMPROVE my credit?

    Tellus eget condimentum rhoncus, sem quam semper libero, sit amet adipiscing sem neque sed ipsum. Nam quam nunc, blandit vel, luctus pulvinar, hendrerit lorem. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque pretium quis, sem nulla consequat massa quis enim.
  • What is a Credit Score?

    The most widely used credit score is a FICO® score, produced from statistical models developed by the Fair Isaac Corporation (hence the name). FICO® scores range between 300 and 850 and are based on the information in your credit reports. FICO® scores predict the likelihood that you will have a payment that is 90 days or more past due during the 24 months after the score is calculated. The higher the FICO® score, the less likely you will be 90 days or more past due in the next 24 months.
  • What is Credit Repair?

    You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

    Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.

    It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.
Daniel pendley is an international speaker, sales trainer, and author

Learn & Support

Copyright © 2019 World Capper Credit Repair All Rights Reserved.