FAQ

Is it worth repairing my credit?

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.

How fast can i expect my credit scores to increase?

on average it takes our customers 2-3 months to see improvements to your credit sometimes quicker sometimes longer.

How much of an increase in my credit score should i expect?

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.

How much does it cost?

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.

What is the "Fair Credit Reporting Act" and how does it effect you?

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.

How do negative items affect my score?

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.

Am i locked into a contract?

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.

What is the Credit Sheep Guarantee?

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.

How can i get all 3 credit reports for free without hurting my score?

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

What is a fraud alert?

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.

How to add or remove a fraud alert?

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.

What is a good debt to credit limit ratio?

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.

What is a good credit score?

Primarily lenders like to see a 700+ credit score.