by repairing your credit you open yourself financially to have the opportunity to lease or buy a car, get approved for a mortgage, credit cards and lines of credit.
on average it takes our customers 2-3 months to see improvements to your credit sometimes quicker sometimes longer.
depending on the severity of the negative items on your credit report certain items will affect your credit more then others. For example if a judgement reports on your credit in some cases it can affect you by up to 100 points.
Credit sheep's proprietary process allows you to choose from 5 different plan levels to fit any clients situation. Please view our pricing page for details.
The Fair Credit Reporting Act, 15 U.S.C. § 1681 (FCRA) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Depending on the type of account which has gone negative, your score can be affected drastically. your score can go up or down anywhere from 1-100 points per negative item.
NO! with Credit Sheep you are never locked into a contract. Our one of a kind Simple Dispute system allows you to pay as you go, use it only when you need it.
If you have subscribed to our services for a minimum of 90 days and you have not seen any changes* to your credit we will refund you in full.
Here is a list of different resources to monitor and see your credit reports: Freecreditreport.com, Creditkarma.com, Experian.com, Creditsesame.vom
Paid services we recommend: creditchecktotal.com
This alerts the consumer any time a creditor would like to pull your credit. By having it you are always in the know and will not allow them to proceed without your consent.
To remove a fraud alert you can use our system to send a request to all 3 bureaus which can take 3-7 business days. If needed immediately, contact separately the 3 bureus Transunion, experian and equifax.
Creditors like to see below 20% debt to credit ration. For example, you have $100,000 in total available credit. Total debt should stay below $20,000.
Primarily lenders like to see a 700+ credit score.