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FAQ

FAQ

You can learn more from our asked questions

Levelz Program works in 45 days cycles. We will review your credit report from all 3 Bureaus to see the results which questionable negative items have been removed from your credit report. Once all negative items have been removed, we will begin to work on credit building to optimize your profile.
Yes, credit repair is legal. We'll help you use The Fair Credit Reporting Act law in your favor.
Everybody's credit situation is different, so how long it takes for you to realize your expected results depends on the amount of derogatory credit items on your reports, your participation in getting credit reports to us, and therefore the level of agency cooperation. We'll do our part, the auditing and creating dispute letters supported your reports, usually within 48 hours from the date we receive them. Most of the wait-time after is typically spent expecting the credit bureaus or creditors to reply.
It's only our credit service specialists that will see your credit reports, your information is totally safe and secure with us.
We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.
There are a few different ways we can do this. You can sign up for something like Identity IQ, which is a service that gives you access to all of your credit reports. You give the login information to us and we take it from there. You can also upload them to an online portal and send them to us that way.
It is determined by Payment History, Debt Usage, Age of Credit Accounts, and Inquiries.

Payment History: Your payment history is. record of on-time, late and missed payments on past and current credit accounts. These accounts can include credit cards, lines of credit, personal loans and mortgages. Your payment history indicates to a possible lender the likelihood of you successfully repaying your debt or going into default. It also factors into a big percentage of your credit score. Though exactly what proportion it contributes isn't clear. FICO claims that 35% of your FICO score comes from the behaviors revealed by your payment history.

Debt Usage: Credit cards provide the power to build a credit record and receive a credit score. Once you use credit cards responsibly, you've got access to additional funds in an emergency, you'll finance large purchases which may take a couple of months to pay off. You'll earn points or cashback rewards on your monthly spending, and in some cases, you've got access to services like roadside assistance, itinerary assistance, upscale airport lounges, and concierge help while travelling. If you've got a high credit utilization on your cards, you'll end up with a lower FICO score on your credit report, a harder time making larger monthly payments, and potentially higher interest rates on your cards if you create any payments late.

Age of Credit Accounts: "Length of credit history" category of FICO makes up about 15% of your credit score: Average age of accounts equals the entire months of all the accounts on your credit report from the open dates to this, divided by the number of accounts. While 15% of your score doesn't sound like much, especially in comparison to the "payment history" and "amounts owed". extended credit history could help your credit score.
FICO is a registered trademark of Fair Isaac Corporation. it was the first company to create a credit score modeling in America, FICO stands for Fair Isaac and Co. FICO was originally used by all three credit bureaus. Eventually Equifax and TransUnion came up with their own credit scoring models while Experian continued to use FICO. FICO continues to be the standard that most creditors will look at to evaluate creditworthiness.
Yes, it may show as "settlement accepted on this account." It is a common myth that paying off an account will change it from negative to positive on your credit report. But don't worry, once the settlement process is complete, our audit and verification services can pursue the removal of the settled accounts.
The credit bureaus are privately owned companies. They are not government-owned companies, but they are government-regulated companies. The Consumer Financial Protection Bureau (CFPB) regulates government companies like the credit companies.
Your personal information will not be shared with any third party.

Still have you any inquires you'd like to make?

Head office address:

7901 4th St N, STE 300 St. Petersburg, FL 33702

Call for help:

800-515-1279

Mail for information:

info@Levelzgroup.com