{"id":831,"date":"2023-08-01T00:31:39","date_gmt":"2023-08-01T00:31:39","guid":{"rendered":"http:\/\/www.creditamerica.co\/?page_id=831"},"modified":"2023-08-24T21:51:56","modified_gmt":"2023-08-24T21:51:56","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.creditamerica.co\/es\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"
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Need Help?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Why Texas Credit?<\/b>
<\/br> When the Lone Star State called for top-tier credit services, we rose to the challenge. Dive deep into why we stand out and why Texans hail us as their #1 credit services champion. At Texas Credit, our aim isn't just to serve, but to enlighten every Texan about credit. Remember, in the credit world, what you don't know CAN bite. If you've got questions not covered here, drop us a line on our About<\/a> page. We'll answer directly and might even feature it in our upcoming educational posts.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is credit?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Credit is essentially trust placed in you to receive money, goods, or services before you pay for it in the future \u2014 usually with added interest in exchange for the upfront ability. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.<\/p>

If you use it responsibly, credit can be a powerful tool. But if you don\u2019t, you\u2019ll have to face some negative consequences that will make your life harder.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are the bureaus? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

The term “bureaus” is the standard way of talking about credit reporting agencies.<\/strong> Think of them as the librarians of your financial history, curating and maintaining records that speak to your creditworthiness.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs credit repair legal?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

You bet!<\/strong> When carried out responsibly and in accordance with the law, credit repair is both legal and often championed by Congress and government officials.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat factors influence my credit score?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Your credit score is shaped by five main factors: payment history (your payment consistency), credit utilization (how much of your credit you’re using), length of credit history (how long you’ve had credit), types of credit (your variety of credit such as loans, credit cards, or collections), and recent credit inquiries (requests for new credit).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow is my credit score calculated?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Credit scoring models (algorithms) take into account the aforementioned factors and calculate a score as a result.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhy are my scores all different? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

No score will ever be the same as each credit bureau will always have slightly different data, even if it’s as simple as reported balances on the same account. Some creditors may not report to all bureaus. Additionally, each bureau or lender will likely use a different scoring model, which there are dozens of!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs credit repair worth it?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Think of credit repair as an investment into your personal financial health.<\/strong> Our educational resources can shed light on the hidden costs associated with letting bad credit slide.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow long does it take to see results? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Every credit story is unique, so timelines vary. <\/strong>They can range from 30 days to 2 years. We advise caution with companies promising specific timelines or quick fixes. However, our goal is to make the most significant strides within the initial 6 months, which is why we back that timeline by our <<\/span>a\u00a0href=”https:\/\/www.creditamerica.co\/guarantee\/”<\/span><\/span>><\/span>Guarantee<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I repair my credit on my own?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Indeed!<\/strong> Taking matters into your own hands is an option, and we frequently back it. Sometimes, we even offer guidance at no cost for those who seem well-suited for the endeavor. That said, professional touch often comes with its unique set of advantages.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs there a charge for credit reports?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

It can be free!<\/strong> Annualcreditreport.com is your go-to for a free annual credit check. And, with the extended CARES Act, monthly peeks are on the house too. Otherwise, there is always going to be a cost, whether directly or indirectly, associated with requesting your credit report. Through our partnership with Score Depot, we offer daily credit oversight and a hefty ID Theft insurance policy to our valued clients and guests.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWill checking my credit hurt my credit? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

While hard inquiries from lenders can impact your score for a short time, your own personal check, a soft<\/em> inquiry, leaves your score unscathed. Knowledge is power, and we recommend everyone to monitor credit daily.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does the credit repair process work? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

The credit repair journey begins with a thorough review of your credit report. We identify inaccuracies and disputed items, and then work diligently to challenge and rectify them. Alongside, we guide you on optimizing factors that influence your score, ensuring you’re in the best credit shape possible.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tAre there any risks involved in credit repair? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

The real risks in credit repair arise when individuals turn to companies operating outside the law. Unethical practices or illicit tactics can do more harm than good, putting your name and credit at further risk. Always ensure the company you choose takes your privacy seriously and operates legally.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow is credit repair different from debt counseling? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Credit repair focuses primarily on correcting inaccurate or outdated negative items on your credit report, while debt counseling assists individuals in managing and paying off their debts through planning and negotiation. We can also help with the latter in a more productive way, therefore we usually advise people to steer clear of debt counseling. Please see our in-depth post on why we criticize debt counseling.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat issues can you help me with? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

We assist with collections, including medical bills and broken leases, guide you through late payment challenges, provide solutions for charged-off accounts like auto repossessions, advise on student loans, and help clear public records, including bankruptcies. Additionally, we empower you to become financially savvy, ensuring you maintain good credit health long-term, by teaching you about financial management strategies, increasing income, and even starting or growing your business and its business credit.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan you dispute hard inquiries?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Yes, disputing hard inquiries is on our radar. <\/strong>However, our methodical approach places this task towards final stages since there is no real impact when negative records exist. If you spot companies rushing into inquiry disputes, they might be aiming for “rapid outcomes” or an excuse to charge more.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo I have to do any work?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

All we need from you is the necessary documents we’ll request.<\/strong> Once you’ve done that, consider the heavy lifting on our side. We’ll manage the rest.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I visit in person?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Joining our VIP ranks? <\/strong>Our VIP Program has in-person sessions specially designed for our VIPs. We prioritize maintaining our high service standards. Due to the volume of clients we serve, we do not offer in-person visits. This ensures that we remain focused and undistracted, providing you with the best possible service.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo you offer a money-back guarantee? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Yes, we do! Our assurance is backed by our Guarantee in case we fall short.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat security measures do you have in place to protect my personal info? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

At Texas Credit, we hold the protection of your personal information as a top priority. Our team is regularly trained to handle and protect your sensitive information responsibly, and we continually assess and update our measures to stay ahead of potential threats. Additionally, our partnership with Score Depot provides each of our clients with $1 Million in ID Theft insurance.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWill paying debts restore my credit? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Not always.<\/strong> Payments can be beneficial for accounts in good health, promoting on-time payment records and lessening credit utilization. Yet, clearing debts once they’ve reached charge-off or collection status doesn’t often work in your credit’s favor. We will help tailor a plan for you to tackle your debts in order of priority.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWill paying collections help my credit? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Guided by the Fair Credit Reporting Act,<\/strong> any information that’s incomplete, not accurate, or cannot be verified has the potential to be removed. Remember, credit reporting agencies and data providers are held to rigorous standards.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat can be removed from my credit report?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Based on the Fair Credit Reporting Act’s provisions,<\/strong> any information that is incomplete, not accurate, or cannot be verified has the potential to be removed. Remember, credit reporting agencies and data furnishers are held to rigorous standards.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo I still have to pay if the account is removed?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Removal of an account from your credit report doesn’t necessarily absolve you of payment duties.<\/strong> The Texas statute of limitations caps the time-barred debt at four years. However, this doesn’t stop collectors from trying to retrieve the debt after this timeframe. We can help you make sure debt collectors are adhering to the provisions of the Fair Debt Collection Practices Act.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat happens if a debt collector contacts me? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

If a debt collector reaches out, remain calm, gather all relevant information, avoid admitting to the debt initially, and get in touch with us for further guidance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs it beneficial to settle a debt rather than pay it in full?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Depends on Your Goals<\/strong>: If your primary aim is to avoid bankruptcy and resolve a debt for a lesser amount in order to save money, settling could be beneficial. However, a “settled” status will not be as positive on your credit report as a “paid in full” status. Keep in mind there may also be hefty tax implications.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo negative items remain on my credit forever?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Rest assured, they don’t.<\/strong> Negative details on your credit report have a tenure of 7 years. However, in the case of bankruptcies, they could hang around for up to 10 years.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan deleted items come back?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

It’s uncommon, but possible.<\/strong> If a debt gets sold to another buyer, there’s a chance it could reappear. Our Warranty provides more clarity on this matter.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan identity theft hurt my credit?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Absolutely.<\/strong> Identity theft can leave a significant dent in your credit. Thankfully, we have specialized expertise to guide you through such challenges. Our partnership with Score Depot also gives our clients and guests each $1M in Identity Theft insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan divorce hurt my credit?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

No, not directly.<\/strong> While a divorce itself doesn’t influence your credit, it’s the ripple effects, particularly from shared credit obligations, that might. We have extensive experience in the divorce lending industry and specialize in navigating these scenarios.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can I prevent negative items from appearing on my credit in the future? <\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Prioritize timely payments, manage debts wisely, and regularly review your credit report for any discrepancies or inaccuracies.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat if I can't afford credit repair?<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

We’ve got your back.<\/strong> We’re in the business of lending a hand during credit and financial hurdles. That’s why our process is structured to suit every pocket. Your ability to afford will never be a barrier with us, as we’ve made our payment plans economical and accessible for everyone. If you still cannot afford $25 per week, we have a free<\/em> financial coaching program we invite you to join.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow will I know what progress is made after I sign up??<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t

Stay in the loop with ease!<\/strong> As our valued client, you’ll have exclusive access to your personalized dashboard within our portal, letting you monitor credit dispute outcomes and score fluctuations. If we are working in unison with a mortgage professional, he or she will also be updated directly.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Need Help? Frequently Asked Questions Why Texas Credit? When the Lone Star State called for top-tier credit services, we rose to the challenge. Dive deep into why we stand out and why Texans hail us as their #1 credit services champion. At Texas Credit, our aim isn’t just to serve, but to enlighten every Texan […]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-831","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"yoast_head":"\nFAQ - Credit America<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditamerica.co\/es\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Credit America\" \/>\n<meta property=\"og:description\" content=\"Need Help? Frequently Asked Questions Why Texas Credit? When the Lone Star State called for top-tier credit services, we rose to the challenge. 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