Frequently Asked Questions

Let’s Answer Your Questions!

General Credit FAQs

How much does bad credit cost?
The cost of credit repair is small compared to the cost of living with bad credit. It affects insurance rates for both auto and home, interest rates, and even your ability to get a job. In the financial sector, you can’t hope to get a job in banking or finance with good credit. Below are a few examples of the cost of bad credit.

Auto/Car Loan

If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month for a higher payment. Example:

$23,000 Vehicle Financed for 5 Years:

CREDIT STATUSInterest RatePaymentInterest Paid
High Credit Score3%$413$1,796
Slightly Damaged9%$477$5,646
What is a Credit Score?
A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers. Each person has a few different credit scores, but your FICO scores are the most important.

Usually a credit score is between the numbers 300 to 850. The higher your score, the more “creditworthy” you are to lenders.

What is my credit score based on?
Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Many factors contribute to your credit score including:

Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history
Your credit score broken down according to

35% is your payment history, which considers whether or not you’ve paid your past creditors on time.
30% is your amount owed, or how low your balance is in comparison to your credit limit.
15% is your credit history length. Longer credit history showing on time payments is preferred.
10% is your amount of new credit. Research shows opening several new accounts in a short period of time represents a high risk.
10% is types of credit in use including mortgage accounts, installment loans, credit cards, and finance accounts.

Under the Equal Credit Opportunity Act, credit scoring may not use gender, marital status, national origin, race, or religion as factors.

Credit Repair FAQs

How can bad credit be deleted?
Negative credit listings are deleted from credit reports each and every day!

Pretty Credit Consultants is hard at work every day challenging damaging and questionable credit entries on behalf of our clients. Utilizing proprietary and absolutely legal methods, Pretty Credit Consultants is a professional organization working for you and your credit. We hold ourselves to incredibly high standards, which is why our process is fully transparent once we begin our partnership.

How long does credit repair take?
At Pretty Credit Consultants, we take great effort in repairing your credit as fast as possible. Although everyone’s credit history is different, most people will see progress within the first 30 to 60 days after enrolling in our Credit Repair Program. On average our clients graduate in as little as 4 to 6 months and are empowered to achieve their financial goals.
What if removed items reappear?
This happens occasionally, either by accident or when a creditor has verified a particular item. This is what’s known as a ‘soft delete’. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. Pretty Credit Consultants will re-challenge the item with the full force of the prior removal in our favor. We guarantee our work, which means we offer this service absolutely FREE of charge.
Is credit repair legal?
YES! You are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading, and obsolete items appearing on your credit report. Pretty Credit Consultants LLC uses every venue available to you under the law to help you assert these rights.

Challenging items on your credit report is your legal right (FCRA). When you use Pretty Credit Consultants LLC to help repair your credit, we are abiding by all federal and regional laws regulating third-party credit repair assistance.

Will I Get Results?
We have not had a single client who has not gotten results from our program. We know from experience that, due to our one-on-one personal approach, our clients usually have great results. All results are unique to each situation, schedule your consultation to see how we can help you.
Do you have a 100% Money Back Guarantee?
If you do not get any deletions in 60 days you will receive a full refund for the prior month service depending on the program you chose upon enrollment.
Got More Questions?

864.580.6399 (Local)
800.580.9549 (Toll-Free)

The Future is Pretty Credit