Inaccurate, outdated, incomplete, or unverifiable items may be eligible for removal. This can include late payments, collections, charge-offs, repossessions, foreclosures, and incorrect personal information.
Yes, when done properly. Credit repair focuses on your legal right to dispute inaccurate or unfair credit reporting. While results vary, many clients see improvements as errors are corrected or removed.
Some clients see updates within the first 30 days after disputes are submitted. However, full results depend on your credit history, the number of items disputed, and how quickly creditors respond.
No. Disputing inaccurate information does not harm your credit score. In fact, correcting errors often leads to score improvements over time.
Bankruptcies and foreclosures cannot be legally removed if they are accurate and verified. However, we review these items for reporting errors, inaccurate dates, or violations that may allow correction or removal.
Yes. Even responsible borrowers can have reporting errors on their credit reports. Credit repair helps ensure your credit history accurately reflects your financial behavior.
Yes. Many clients come to us after being denied financing. We help identify problem areas on your credit report and create a plan to improve approval odds for future applications.
Credit repair and debt settlement serve different purposes. Credit repair focuses on correcting inaccurate reporting, while debt settlement negotiates balances. In many cases, a strategic combination provides the best results.
No. Credit Queens handles the dispute and communication process with credit bureaus and reporting agencies on your behalf, saving you time and stress.
Costs vary based on your credit profile and the services needed. We offer transparent pricing and review all fees during your free consultation before any work begins.
Yes. We assist with disputing fraudulent accounts and inaccurate activity caused by identity theft and guide you through additional protection steps when needed.
Yes. We review and dispute items with Equifax, Experian, and TransUnion to ensure consistent and accurate reporting across all bureaus.
Credit Queens offers personalized strategies, transparent communication, and local service for Brevard County residents. We focus on education, accuracy, and long-term credit health — not shortcuts.
