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Frequently Asked Questions

You've got questions. We have answers.

Can bad credit be corrected?

Yes, bad credit can be corrected. It all depends on the underlying cause of your score. The law entitles you to an accurate and fair credit profile. If something on your credit isn’t right, you can correct or repair it with the credit bureaus and your creditors.

How long does credit repair take?

Honestly, there’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different. However, past members have seen an average increase of 60 points, and have typically stayed with us for at least six months.

How can I repair my own credit?

Because the law gives you the ability to dispute anything you identify as inaccurate, incomplete, or unverifiable information on your credit report, you just need to contact the credit bureaus and your creditors to address any errors on your credit. However, this process is time-consuming and confusing. We teach you how you can challenge these items on your reports quickly and efficiently.

Is credit repair legal?

Yes, 100% legal. You have a right to a fair and accurate credit profile. Credit repair is simply the way to help you get there.

What can be removed from my credit report?

Anything that is inaccurate, unfair, or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, defaulted student loans, bankruptcies, inquiries, repossessions, and more.

What is a negative item?

Anything in your credit history that lowers your score is considered a negative item. Things like collections, late payments, charge-offs, defaulted student loans, bankruptcies, inquiries, and repossessions.

What should I do about collection accounts?

If you have collection accounts, it's important to take action. Before paying a collection account, it is best to use debt validation procedures that can help you get the collection removed from your credit profile. You may also be able to negotiate a deal that will make the debt go away.

I have a bankruptcy. Can that be removed from my credit report?

Yes, bankruptcy can be removed from your credit report.

The length of time it takes for a bankruptcy to be removed from your credit report depends on the type of bankruptcy you have. If it is Chapter 7, then it will be removed from your credit report after 10 years. If it is Chapter 13, then it will be removed after 7 years.

However, getting it removed earlier will require challenging the accuracy and fairness of the bankruptcy reporting on your credit files.

What is a good credit score?

Although ranges vary depending on the credit scoring model, generally credit scores ranging from 670 to 739 are considered good.

What is a bad credit score?

Anything below 670 is considered fair credit, with scores below 580 being poor.

What is a credit bureau?

A credit bureau is a company that tracks your creditworthiness and ability to pay back your debts. They collect information relating to your financial habits, then make this information available to lending institutions and credit card companies. There are three credit bureaus–Equifax, TransUnion and Experian

Why are my credit scores different?

There are a few reasons why your credit scores might be different. First, the scoring models used by each credit bureau can vary. This means that even if you have the same information on your credit report, one bureau may assign a higher score than another bureau.

Second, each of the three major bureaus collects and reports information differently. So even if you have identical accounts with the same balance at all three bureaus, they may use different information to calculate your score.

Third, some creditors don't report information to all three bureaus on time or at all. This means that not all of your accounts will be included in every credit report from every bureau.

How can I check my credit scores?

You can check your credit scores online by going to annualcreditreport.com, or by visiting any of the three major credit bureaus (Equifax, Experian, and TransUnion) online. You can also check them with your local bank, credit union, credit card company, or through a free credit monitoring service.

I’ve been a victim of identity theft. How can I repair the damage?

If you have been a victim of identity theft, there are several steps you can take to repair the damage.

First, contact the three major credit bureaus and put a fraud alert on your account. This will prevent new lines of credit from being opened in your name.

Next, file a police report with your local police department.

Lastly, dispute the account with all three major credit bureaus, and request that they remove all accounts from your credit resulting from identity theft.

Who has access to my credit report?

Your credit report is available to you and any creditors you who have an active account with. Additionally, lenders, landlords, employers, insurance companies, and others may access your credit report to determine whether they should do business with you when you fill out an application.

What score do I need to buy a house?

To buy a house in the U.S. with a favorable interest rate, you'll need to have a credit score of at least 620. This is the minimum score needed to be considered "qualified" for a mortgage and it's also the minimum required by most lenders.

What score do I need to buy a car?

It depends on the age of your car, how much you've financed on previous loans, and whether or not you have good credit history.

In general, a score between 600-700 is considered good enough to finance a car with

What are my rights with respect to debt collectors?

You have the right to:

-Be treated with courtesy and respect

-Have all communications documented in writing, including any agreements made with the debt collector

-Not be threatened or harassed by the debt collector

-Be informed about the name of the creditor and the amount owed within 5 days of the initial contact from a debt collector

-Request verification of the debt from your creditor within 30 days of initial contact from a debt collector

Can I get a credit card with poor or bad credit?

Yes, you can get a credit card even if you have poor or bad credit. If you have a low score, it's important to know that different banks will have different requirements for approval. You'll also want to know what kind of cards are available to you, as some may offer better rates and less fees than others.

After being reported to Chexsystems, can I be removed from list before the five years?

If you've been reported to ChexSystems, it's possible to have your account removed before the five-year period is up. First, you can request a copy of your report. The report shows a breakdown of specific accounts closed, outstanding debts, bounced checks and more. You’re eligible for a free copy of your report once every 12 months. Next, dispute any errors, pay off debts, ask creditors to remove the information, or wait for it to drop off.

Can I still open a bank account while being listed in Chexsystems?

Yes, you can. You can find a bank that does not use Chexsystems for their screening process. This is rare, but it is possible to find banks that do not use Chexsystems.

How long do negative items stay on my credit file?

Negative items can stay on your credit file for 7 to 10 years.

Can I get credit with bankruptcy on my credit reports?

Yes, you can get credit with bankruptcy on your credit reports. However, depending on the type of bankruptcy and how long ago it happened, there may be some limitations to what you can do.

How long do credit disputes take?

Depending on the type of dispute, the length of time can vary. In most cases, the dispute is resolved within 30 days. While in some cases, it could take several months.

The length of time it takes to complete a credit dispute depends on how long the information was on your credit report, and whether or not you have any other disputes pending.

How can I receive my credit reports, if I don’t have a permanent address?

You can get them online at annualcreditreport.com or by calling 877-322-8228. You can receive your credit reports by providing a temporary address and phone number. The address you provide must be a physical location, not a PO box or anything similar.

Can my employer or potential employer pull my credit file?

Yes. Your employer is allowed to review your credit report if they have a legitimate business reason to do so, and they cannot pull your credit file without your consent. Some employers may want to check your credit report as part of a background check on you before offering you a job or as part of the hiring process.

A credit check for employment doesn't show your score, just a modified credit report with debt and payment history.

Can an insurance company pull my credit file?

Yes, an insurance company can pull your credit file. However, they must have your permission to do so.

If you're applying for a new policy, the company may need to check your credit history to see if you've been a responsible borrower in the past. This is one way that they can determine whether or not you're likely to be a good risk as a future customer.

Does my rental history report to my credit?

No, your rental history does not go to your credit. The Fair Credit Reporting Act (FCRA) protects consumers by ensuring that the information in your rental history report is used only to make decisions about rental applications—not to determine your creditworthiness. However, there are 3rd-party services available that will report your rental payments to your credit.

Do civil judgments appear on credit reports?

Judgments don't appear on your credit report and don't affect your credit score due to a settlement the credit bureaus made in 2015 called the National Consumer Assistance Plan (NCAP)

Can I get credit if I don’t have employment?

Yes, you can get credit even if you don’t have employment. But it will be more difficult for you to get approved for a loan if you don’t have an income source to show that you can pay it back.

Does my spouse’s bad credit affect my credit score?

Your spouse's bad credit will not affect your credit score. Your spouse's bad credit, however, will affect your ability to get a loan together.

Can I get business credit even though I have poor personal credit?

Yes. While personal credit is important, many businesses are able to establish credit with no personal credit needed. A business entity, such as an LLC or corporation, can provide flexibility for people who have had trouble establishing their own personal credit.

Is there a satisfaction guarantee for the program?

Yes, we offer a satisfaction guarantee. If you are unsatisfied with the program within 30 days of purchase, contact us and we will refund your money.

Is there offline program support?

No, there's no offline support – only on a case-by-case basis. We do, however, provide comprehensive programming that will teach you everything you need to know about repairing and restoring your credit..

Is there an option to have someone on the Flyy Credit staff repair my credit?

Yes! We offer a credit repair service that can repair your credit score and help you get back on track with your finances. After you sign up for our service, we'll process the necessary paperwork, and within weeks you will start seeing an improvement in your score.

Helping you gain better credit, better opportunities, and a better lifestyle.

Contact Us

15941 Harlem Ave #284 Tinley Park, IL 60477

Hours: Mon-Fri 9am-5pm Central

Phone: 888-708-9171

Email: contact@flyycredit.com

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