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Common Questions

The most frequently asked questions regarding your credit.

• What is Credit Repair?
• How long does it take to repair my credit?
• How much will repairing my credit cost?
• Can charge-offs on my credit report be addressed in the credit repair process?
• Why should I choose the credit repair attorneys at Smith & Garg to repair my credit?
• How much will my score go up?
• What is a FICO score?
• How much will I be involved in the credit repair process?
• Can I just repair my credit report by myself?
• Should I pay off all of my debt?
• Will cancelling my credit cards that I rarely use raise my credit score?
• What is a "charge-off" and is it bad?
• What is "re-aging" and will it help my credit score?
• What is VantageScore and is it the same as FICO?
• I recently applied for credit and I was turned down. Why?
• What is "shopping around" my loan information and can it hurt my credit?
• Can judgments be taken off my credit?
• If I cannot afford to repay my debt, what are my options?
• What are my rights if I am a victim of identity theft?

Contact the Credit Repair Attorneys at Smith & Garg today to get started!