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Frequently Asked Questions

How long does negative information last?

A minimum of seven years, with exceptions. “The credit bureaus say they can’t possibly patrol the accuracy of 3.5 billion pieces of account information they receive every month from lenders” – Smartmoney.com

What is a charge-off?

A charge-off is a debt that has been determined uncollectible by the original creditor.

How will closed accounts stay on my credit report?

Closing an account won’t remove it from your credit report automatically. How long a closed account stays on your credit report depends on whether the account was closed in good standing.

Why are my credit reports different?

If you compare your credit reports side-by-side, you may notice they’re not the same. You have different credit reports because not all businesses report to all three credit bureaus.

When does a late payment go on my report?

A late payment goes on your credit report after 30 days.

How long can a repossession stay on my report?

A repossession can remain on your credit report for up to seven years. If there’s a judgment associated with the repossession, that also remains on your credit report for seven years.

What is a Insufficient number of credit references?

If you received an adverse action notice that includes “Insufficent number of credit references” as a reason for being denied, that means you don’t have enough credit accounts on your credit report.

Is Credit Repair illegal?

Credit repair is in no way illegal. The Fair Credit Reporting Act gives consumers the right to dispute any item on their credit report that is inaccurate unverifiable or outdated. In most cases a lot of old outdated accounts are unverifiable which will cause them to have to remove that item.

How long does it take for the bureaus to respond?

When we dispute your derogatory information, the credit bureaus have a limited amount of time to respond.

What does account closed at grantors request mean?

On your credit report, some accounts might read “account closed at grantor’s” request or “closed by grantor.” This means your credit card issuer, for some reason or another, had your account closed.

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  • Elijah Stevenson

    Taking the first step towards restoring my credit was the best thing I could have done. The investment has paid off and I'm now able to do more than I could previously.

  • Ella Martin

    Best money I ever invested. Credit enhancement completely changed my life. It has allowed to get credit and better interest rates that I never was able to obtain before.

  • Louis Pearson

    I am extremely impressed with the professionalism of your customer service agents, the easy interaction of your website where I can monitor the progress of my file.

  • Mark Patton

    I am writing today to acknowledge your services, I am proud to say that UNIQUE absolutely fits you!!! As a client I am extremely impressed with the professionalism of your customer service agents, the easy interaction of your website where I can monitor the progress of my files/account.

  • Joyce Page

    The benefits I’ve received as a direct result from participating in your Credit Repair program have been remarkable. With a tight budget due to the bleak job market, I was faced with a difficult decision to take a chance with enrolling in your program or pass it up. At first, the decision I made was not well liked by my significant other, who felt our money could be “spent on better things”. Needless to say, in the first few months alone I was able to improve my credit score over 50 points.

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