Questions, Answered.
Straight answers about how SoCredit works.
Can SoCredit remove negative items from my credit report?
We help identify and dispute information that may be inaccurate, incomplete, or unverifiable. Accurate negative information generally cannot be removed simply because it's disputed.
How long does credit repair take?
Many credit bureau investigations take around 30 days, although some take longer. The overall process depends on the information being disputed and the responses received.
Can you help if I can't open a bank account?
Our ChexSystems and Early Warning Services services focus on potentially inaccurate banking history reporting.
Do you guarantee results?
No. Every credit report is different, and specific deletions, credit score increases, or credit approvals cannot be guaranteed.
Can couples sign up together?
The Couples Credit Repair package is designed for two people, with each person's information reviewed individually.
Do I need to provide documents?
Some documents may be necessary depending on the reporting issue. Any required documents would be requested later through a secure process.
Can I dispute inaccurate information myself?
Yes. Consumers can dispute inaccurate information directly with consumer reporting agencies at no cost.