What is Credit Repair?

Within the Credit Repair Organizations Act, credit repair assists consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, misleading, and/or unverifiable.

How long does the service take?

On average, the process can take 3-9 months. We have experienced clients successfully graduating our program within 3 months and have also experienced clients enrolled longer than 9 months.

Our process is highly individualized and clients will glean greater insight of their credit needs during the initial one-on-one enrollment session.

What items can be removed?

Any negative item (collections, charge-offs, foreclosures, bankruptcies, repossessions, late payment indicators, student loans, judgments, tax liens, child support, inquiries, and/or personal data) that is questionable, inaccurate, untimely, misleading and or unverifiable can be legally and permanently removed from a credit profile.

How is my credit score calculated?

According to FICO, the five factors that determine your credit score are:

  • 35% your FICO score is determined by your payment history. On time payments build your score (Payment history)
  • 30% of your FICO score is determined by comparing the amount you owe; to the amount of credit you have available (Utilization)
  • 15% of your FICO score is based on the length of your credit history. In fact, it’s more important to keep your accounts open (Credit Age)
  • 10% of your FICO score is determined by the number of new accounts you open. Opening a new account temporarily lowers your credit score for 12 months (New Accounts)
  • 10% of your FICO score is based on the type of credit you use. Lenders like to see a mix of card accounts (mortgages, revolving credit, installment loans, etc.) because statistics have shown that having too many accounts of the same type slightly increases the risk of a person not being able to make timely payments (Credit Mix)
Why do I have different credit scores (Credit Karma, FICO, Experian, Credit Sense, Identity IQ, Privacy Guard, etc.?)

There are hundreds of credit scores. Credit scores are generated by banks, credit card companies, mortgage companies, auto companies, insurance companies, etc.).

Most of these sites provide educational scores; however, we prefer our clients use a FICO score as it is the most commonly used scoring models by creditors and lenders to determine approval or denial. Additionally, we assist our clients with understanding that credit scores are a mere reflection of the contents on their credit profiles. The healthier the contents, the healthier the score.

Will my score increase?

There are far too many factors that make up the credit score; so it is impossible to give you an accurate prediction of how much your credit score will increase.

In addition to the unknown of how you will manage your finances and obligations, it’s difficult to determine your overall credit score.

Enhancing the contents of your credit profiles is an absolutely, positively, guaranteed method to increase your credit scores.

Are you able to speed up the credit repair process?

NO. By law, the credit bureaus have 30-45 business days to investigate disputes submitted.

Should I dispute online?

We believe writing is always best. A paper trail provides supporting documentation that justifies your attempts/efforts to correct information reflected on your credit reports. Online disputes are often processed quickly, but this does not always prove favorable for you—the consumer. Many times your consumer rights are waived and items may reappear on your reports.

What does Rosewood Credit Services Provide?
  • Frequent disputes submitted to all three (3) credit bureaus, creditors, and/or collection agencies.
  • A detailed credit audit update consult scheduled monthly or more frequently, if prescribed.
  • Email, phone call, and/or text response within 24-72 business hours.
  • Professional, ethical, and excellent customer service.
Client Expectations?
  • Provide updated contact information (phone, address, email address, and etc.)
  • Promptly forward all credit-related correspondence sent by mail to our office via fax or scan only
  • Remain actively enrolled in a credit monitoring service.
  • Always schedule a consult or send an email for any questions or concerns you may have
  • Prompt payment for the monthly service fee. We bill in arrears. This means that you pay for the credit repair work after it is completed.


Failure to remit monthly service on due date will result in delayed services, a $30.00 late fee, and/or termination of services.