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our credit score is influenced by five key factors: payment history, debt level, credit history length, credit variety, and new credit inquiries. Enhancing your score involves timely bill payments, reducing debt, maintaining existing accounts, diversifying credit types, and limiting new credit applications.

In addition to these factors, your credit reports might harbor unjust or inaccurate negative entries, which can persist for 7-10 years. You can attempt to rectify these issues by reaching out to credit bureaus and creditors. Collaborating with a reputable credit repair agency such as LibertyCreditCouseling.com can aid in the removal of these detrimental items from your reports.

Short answer? We can't say for certain. The challenge lies in the fact that each member's credit situation is distinct, making it impossible to accurately anticipate the duration needed for credit repair. However, previous members have experienced an average boost of 40 points to their credit score within just six months of utilizing our services.

It's important to note that LibertyCreditCounseling.com provides different service tiers, and the effectiveness and extent of credit repair improve with each upgrade.

There are five distinct factors influencing a FICO® Score, and identifying the dominant factor in any given scenario is a proprietary science maintained by FICO®. Consequently, it's possible (and quite common) for your FICO® Score to experience a slight initial decrease. However, fret not, as the removal of negative items typically yields a positive impact on your FICO® Score in the long run.

Consider this: Suppose a 60-day late payment, present on your credit report for five years, gets removed. Initially, your score might dip due to the reduction in your credit history length. Nevertheless, it's likely to rebound as the negative mark no longer exerts its influence on your score.

Regularly monitoring your credit aids in keeping tabs on all the details within your credit reports, ensuring no unexpected surprises arise when your credit is assessed. It's important to bear in mind that credit reports may harbor unjust, inaccurate, or unverified information, which could detrimentally affect your credit score. Additionally, have you considered the threat of identity theft? It's advisable to address it sooner rather than later to mitigate potential damage.

There are three factors contributing to the variability of credit scores:

1. Not every creditor reports information to all three major credit bureaus—Equifax, Experian, and TransUnion. As credit scores rely on data from credit reports, disparities across bureaus are inevitable.
2. While the credit score we provide is an authentic FICO® Score, utilized in over 90% of US lending decisions, FICO® occasionally employs specialty scores for specific purposes, resulting in slight variations. Additionally, other scoring systems are in use, often on platforms offering free credit scores, each with its own algorithm, thus leading to discrepancies between scores.
3. Your credit report's information can change at any time due to recent updates from creditors and lenders. These changes in reported account information directly impact your credit score.

No, our credit score and report pulls do not affect your score. Credit inquiries come in two forms: hard inquiries and soft inquiries. A hard inquiry occurs when a potential creditor checks your score with the aim of assessing your eligibility for a loan, which can negatively impact your score. On the other hand, we conduct a soft inquiry to access your credit score and reports, which has no impact on your score whatsoever.