Frequently Asked Questions

Will I Get Results?2019-10-29T18:34:35-04:00

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

What is my credit score based on?2019-10-29T18:17:24-04:00
  • 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 myFICO.com:

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.

What is a Credit Score?2019-10-29T18:12:50-04:00

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.

How much does bad credit cost?2019-10-29T18:02:22-04:00

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 STATUS Interest Rate Payment Interest Paid
High Credit Score 3% $413 $1,796
Slightly Damaged 9% $477 $5,646
Damaged 18% $584 $12,042
How long does credit repair take?2019-10-29T18:23:51-04:00

At Credit Army, 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.

How can bad credit be deleted?2019-10-29T18:19:10-04:00

Negative credit listings are deleted from credit reports each and every day!Credit Army is hard at work every day challenging damaging and questionable credit entries on behalf of our clients. Utilizing proprietary and absolutely legal methods, Credit Army 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.

Do you have a 100% Money Back Guarantee?2019-10-29T18:36:40-04:00

Refund/Cancellation Policies:

Cancellation Policy: Services are provided on a month-to- month basis and clients may cancel their service at any time at least (10) ten days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.

Services are provided on a month-to-month basis and clients may cancel their service at any time. At the time of cancellation, the client is eligible for a refund of their most recent monthly charge collected within the last 30-days.

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