Answer: On average, credit repair takes about three to six months to remove inaccurate items. Your score should gradually improve throughout the process each time a creditor agrees to make a change in your favor. Every credit profile differs, and no credit company can promise removals—it’s ultimately up to the bureaus. Our role is to dispute accurately and ensure the credit bureaus are compliant with the Consumer Financial Protection Bureau (CFPB).

Unfortunately, there is no quick fix. The length of time it takes to rebuild your credit depends on how serious your credit issues were and how your credit history was affected.

Answer: A credit inquiry is a request to view your credit file and comes in two types:

Hard inquiries: These occur when lenders check your credit after you apply. They can impact your credit score.

Soft inquiries: These include checks by lenders for pre-approvals or your own credit report request. These do not affect your score.

Answer: In credit repair, results cannot be guaranteed. While we work diligently to correct inaccurate or outdated information, we do not offer refunds.

Answer: We charge monthly. Once payment is made, we send out your dispute letters. The bureaus typically take at least 30 days to respond, so we operate on a 30-day dispute cycle.

Answer: A credit repair agreement is a contract between you and the credit repair company. Under the Credit Repair Organizations Act (CROA), this is required by law. When working with Marie Consulting Services Inc, all your personal data is secure, and no information will be shared under federal law.

Answer: We charge monthly. Once payment is made, we send out your dispute letters. The bureaus typically take at least 30 days to respond, so we operate on a 30-day dispute cycle.

Answer: We charge monthly. Once payment is made, we send out your dispute letters. The bureaus typically take at least 30 days to respond, so we operate on a 30-day dispute cycle.

Answer: Yes. Credit repair is legal and protected under the Fair Credit Reporting Act. You have the right to dispute inaccurate or unverifiable information on your credit reports.

Answer: These are letters from credit bureaus stating your disputes appear to come from a credit repair company, and they refuse to investigate further. This is a stall tactic. If you receive one, forward it to us—we know how to respond.

Answer: A secured credit card requires a cash deposit (equal to your credit limit) when opening the account. It works like a debit card but reports to credit bureaus. It’s a great tool for building credit if you're not eligible for a regular credit card.

Answer: Prequalification (or “pre-approval”) means the lender has done a soft inquiry to see if you meet their criteria. It does not impact your score. It's a good way to know your chances before applying to avoid unnecessary hard inquiries.

Answer: You can, but only if you're pre-approved. Avoid applying blindly—being denied adds an inquiry and may lower your score.

Answer: We check your credit every 30 days to track updates or removals.

Answer: We send monthly updates. You can also monitor your score through services like Credit Karma, but note that credit reports often update every 30 days.

Answer: Tradelines are accounts listed on your credit report (credit cards, loans, etc.). They include payment history and other account details. If you don’t qualify for your own tradelines, we offer paid tradelines to help build your credit profile.

Answer: Credit utilization is the percentage of available revolving credit you're using. For example, if you have $10,000 in credit and owe $5,000, your utilization is 50%. Keep it below 30% to maintain or improve your score.

Answer: Credit scores vary because different bureaus (Equifax, TransUnion, Experian) use different models—primarily FICO and VantageScore. Each model weighs credit factors differently and may report different scores depending on the lender’s criteria.

Answer: Stall letters are designed to delay the dispute process and confuse consumers. They often state that disputes must come directly from you. Receiving one is normal—just forward it to us, and we’ll handle the next steps.