{"id":450,"date":"2020-10-30T08:58:44","date_gmt":"2020-10-30T08:58:44","guid":{"rendered":"https:\/\/rosewoodcredit.com\/site\/?page_id=450"},"modified":"2020-11-09T12:22:00","modified_gmt":"2020-11-09T12:22:00","slug":"faqs","status":"publish","type":"page","link":"https:\/\/rosewoodcredit.com\/site\/faqs\/","title":{"rendered":"FAQS"},"content":{"rendered":"\n\n  <div class=\"banner has-hover\" id=\"banner-2027045876\">\n          <div class=\"banner-inner fill\">\n        <div class=\"banner-bg fill\" >\n            <div class=\"bg fill bg-fill \"><\/div>\n                        <div class=\"overlay\"><\/div>            \n                    <\/div>\n        <div class=\"banner-layers container\">\n            <div class=\"fill banner-link\"><\/div>            \n\n   <div id=\"text-box-1461920656\" class=\"text-box banner-layer x95 md-x95 lg-x95 y50 md-y50 lg-y50 res-text\">\n                                <div class=\"text dark\">\n              \n              <div class=\"text-inner text-right\">\n                  \n\n<h1>FREQUENTLY ASKED QUESTIONS<\/h1>\n<p>All you need to know about our services.<\/p>\n\n              <\/div>\n           <\/div>\n                            \n<style>\n#text-box-1461920656 {\n  width: 60%;\n}\n#text-box-1461920656 .text {\n  font-size: 100%;\n}\n@media (min-width:550px) {\n  #text-box-1461920656 {\n    width: 40%;\n  }\n}\n<\/style>\n    <\/div>\n \n\n        <\/div>\n      <\/div>\n\n            \n<style>\n#banner-2027045876 {\n  padding-top: 250px;\n}\n#banner-2027045876 .bg.bg-loaded {\n  background-image: 460;\n}\n#banner-2027045876 .overlay {\n  background-color: rgba(0, 0, 0, 0.2);\n}\n<\/style>\n  <\/div>\n\n\n<div class=\"accordion\" rel=\"\">\n\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>What is Credit Repair?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>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repair assists consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, misleading, and\/or unverifiable.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>How long does the service take?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>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.<\/p>\n<p>Our process is highly individualized and clients will glean greater insight of their credit needs during the initial one-on-one enrollment session.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>What items can be removed?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>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.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>How is my credit score calculated?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>According to FICO, the five factors that determine your credit score are:<\/p>\n<ul>\n<li>35% your FICO score is determined by your payment history. On time payments build your score (Payment history)<\/li>\n<li>30% of your FICO score is determined by comparing the amount you owe; to the amount of credit you have available (Utilization)<\/li>\n<li>15%\u00a0of your FICO score is based on the length of your credit history. In fact, it\u2019s more important to keep your accounts open (Credit Age)<\/li>\n<li>10%\u00a0of 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)<\/li>\n<li>10%\u00a0of 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)<\/li>\n<\/ul>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Why do I have different credit scores (Credit Karma, FICO, Experian, Credit Sense, Identity IQ, Privacy Guard, etc.?)<\/span><\/a><div class=\"accordion-inner\">\n\n<p>There are hundreds of credit scores. Credit scores are generated by banks, credit card companies, mortgage companies, auto companies, insurance companies, etc.).<\/p>\n<p>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.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Will my score increase?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>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.<\/p>\n<p>In addition to the unknown of how you will manage your finances and obligations, it\u2019s difficult to determine your overall credit score.<\/p>\n<p>Enhancing the contents of your credit profiles is an absolutely, positively, guaranteed method to increase your credit scores.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Are you able to speed up the credit repair process?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>NO. By law, the credit bureaus have 30-45 business days to investigate disputes submitted.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Should I dispute online?<\/span><\/a><div class=\"accordion-inner\">\n\n<p>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&#8212;the consumer. Many times your consumer rights are waived and items may reappear on your reports.<\/p>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>What does Rosewood Credit Services Provide?<\/span><\/a><div class=\"accordion-inner\">\n\n<ul>\n<li>Frequent disputes submitted to all three (3) credit bureaus, creditors, and\/or collection agencies.<\/li>\n<li>A detailed credit audit update consult scheduled monthly or more frequently, if prescribed.<\/li>\n<li>Email, phone call, and\/or text response within 24-72 business hours.<\/li>\n<li>Professional, ethical, and excellent customer service.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Client Expectations?<\/span><\/a><div class=\"accordion-inner\">\n\n<ul>\n<li>Provide updated contact information (phone, address, email address, and etc.)<\/li>\n<li>Promptly forward all credit-related correspondence sent by mail to our office via fax or scan only<\/li>\n<li>Remain actively enrolled in a credit monitoring service.<\/li>\n<li>Always schedule a consult or send an email for any questions or concerns you may have<\/li>\n<li>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.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>Failure to remit monthly service on due date will result in delayed services, a $30.00 late fee, and\/or termination of services.<\/p>\n\n<\/div><\/div>\n\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQS - Rosewood Credit : Credit Repair and Financial Tools<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rosewoodcredit.com\/site\/faqs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQS - 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