Frequently Asked Questions

Why Choose Anytime Credit Repair?

Working for one of the largest debt collection agencies in the US gives us an insight most don’t have when it comes to working on your behalf to improve your credit score. We are uniquely qualified because of our expertise on both sides of the battle. Our most important concern is making sure that all of our clients are happy. After going through our program we want you to tell everyone you know about us, and we want to provide a service worthy of the praise. Often times the need for credit repair is focused on another huge life decision such as buying a car or house. We appreciate the magnitude of these decisions and give each case the attentiveness, care, and urgency it deserves.

Is Credit Repair Legal?

Absolutely. The Fair Credit Reporting Act (FCRA) gives the right to consumers to dispute any inaccurate and not verifiable items from appearing on your credit report.

Is Credit Repair Worth It?

Until you need it, credit repair is often treated as unimportant. However, it is significantly better to improve your credit now than waiting until you are applying for a loan and then have to rush to get it done. A weak credit score will limit not only the number of lenders willing to work with you but also the interest rates at which you can get a loan. Lowering the interest rate on a 30 year home loan even a tiny amount results in thousands and thousands of dollars in lifetime savings. Comparing the price of credit repair to a higher interest rate on a 30-year mortgage loan, it is easy to see how credit repair pays for itself.

When Can I Expect To See Results?

94% of our clients experience a credit score increase of 10 points in the first 35 days. After 180 days, our clients expect to see a 103 point increase on average.

What Items Can Be Removed?

We help our clients with removals of bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.

How Does Paying My Bills Factor In?

Paying your bills on time will improve your credit score over the long term. However, it will not remove negative accounts such as collections, charge-offs, or other marks on your report that will lower your score.

What Are “The Bureaus”? (Equifax, TransUnion, and Experian)

The Bureaus are what we call Credit (or Consumer) Reporting Agencies. They’re publicly traded companies (just like Google or Walmart) that sell credit reports, your personal and financial information and history, to businesses who use that information in their decision making on whether or not to lend to you or extend other credit opportunities your way. Given the importance of credit in the lives of Americans, laws have been passed to empower consumers to defend themselves from misrepresentation and take control of their credit reporting. Unfortunately, even with these laws in place, challenging the bureaus and the data they provide about you can be a daunting, complex, and time consuming process.

What areas do you service?

We service clients all across the United States.

Can I meet you in person?

We provide enrollment audits in these cities: Phoenix, New York City, Miami, DC, Philadelphia, Houston, Chicago, Atlanta, Tampa, Detroit. Meetings are by appointment only and may have additional fees. Please call in for scheduling. Keep in mind that there is no advantage to meeting us in-person; we have serviced thousands of customers from almost every state over the phone.

Do I have to do any work?

No. We do absolutely all of the work for you.

All your questions answered?