Frequently Asked Questions

Generally within 30-45 days after your first round of letters, Personal Information Request Letters, are mailed out. Although this is what generally happens, it's important to understand that credit repair takes time and a set timeframe isn't feasible to provide. Notwithstanding, the good news is that the sooner you get started on the credit repair journey, the sooner we can boost your scores.

Paying your bills on time by setting reminders in your calendar of the due dates for all of your bills Keeping your credit utilization below 30% Not opening new accounts while in the program Never close any accounts, including credit cards Following the recommendations of your credit repair specialist

Unfortunately, at this time we do not offer referral fees.

We take client satisfaction seriously, thus the best way to communicate with your designated specialist is via email. You may also send an email to our Customer Support Team if your question is urgent.

The best way to send a review is to send it directly to your Credit Repair Specialist. You may also submit a Google Review.

Generally, no. However, if an item comes back after you graduate from the program, we will work to get it removed for you at no cost.

Our clients are typically in the program between six (6) to ten (10) months depending on the client's credit score(s) when they join the program.

Credit is the ability to borrow money or access goods or services with the understanding that you'll pay later. We use credit to buy lots of things, from houses and cars to groceries and clothing. If you use it responsibly, credit can be a useful tool.

A credit score is a number between 300–850 that depicts a consumer's creditworthiness. The higher the score, the better a borrower looks to potential lenders. A credit score is based on credit history: number of open accounts, total levels of debt, and repayment history, and other factors. Lenders use credit scores to evaluate the probability that an individual will repay loans in a timely manner. There are a few different types of scores, but the two best-known are your FICO Score and your VantageScore. They’re calculated based on the information that shows up on your credit report.

Generally speaking, there are five tiers of credit score. A good credit score is anything above 670.

Anything below 670 is considered poor or only fair credit.

The following actions can hurt your credit: Not paying bills on time Filing for bankruptcy or foreclosure Applying for too many credit accounts Carrying high balances on your credit cards Ignoring questionable negative items on your report

Your FICO® Score is a three-digit number determined by the information on your credit report. While FICO® doesn't collect the data themselves, it's their algorithm that determines your score. Considering their score is used in 90% of all lending decisions, it's very helpful to know where you stand.

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t verify these items are fair and accurate, they are required to remove them.

iAM FINANCIALLY POISED, LLC can’t guarantee anything. But we can promise to help you work to address any unfair or inaccurate negative items hurting your credit profile.

Yes! You just need to contact the bureaus and your creditors to address any errors on your credit. That being said, this process is time consuming and confusing. Working with a reputable credit repair company like iAM FINANCIALLY POISED, LLC can help you remove these items from your reports quickly and efficiently. Call us at 1-844-318-3823 to get started.

Anything in your credit history that could lower your score is a negative item. Things like collections, late payments, charge-offs, liens, bankruptcies, repossessions and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.

iAM Financially Poised offer different services to match every budget. Learn more about our services.

Yes, if there are no deletions within 180 days, you will receive a full refund of any monies paid from the date you completed onboarding.

Of course, we have a licensed realtor on staff, Shannon Holmes, and we are also partnered with various realtors across the United States that can assist you with the homebuying process. We also are partnered with various mortgage lenders that will assist you with the home buying process as well.

Yes, we offer a discounted package (the audit fee) for couples. Couples enjoy receiving a $50 discount on the audit fee.