Frequently Asked Questions

Each of our programs costs are explained in detail on the Programs page.

Unlike most companies that only dispute two or three items per month, We challenge every piece of negatively reporting information every month, which results in a much shorter total program time for our clients.

However, please always keep in mind that credit repair is a process, and that process takes time and patience as well as maximum effort. Most of out clients will see some changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send.

That being said, there have been a few clients who had very few changes for 4 or 5 months, and then all of the sudden there was a landslide of removals, deletions and updates.

Patience and persistence is the key to successful credit repair. Even for the most stubborn negative accounts that took many, many rounds, there has rarely been an account that could not be removed with enough attacks and enough patience. We call this the TMF (Too Much Factor), where over time our challenges cost the bureaus too much money and too much time and we have presented too much evidence, and they will eventually remove the challenged account. But we need your patience in order to reach this point on the most stubborn items.

Our advice: Don’t Quit! You will be successful in the long run.

Every 35 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results.

We will also send you an email with all the significant updates, as well as insight as to why your scores changed.

These might include pointing out that a credit card balance increased / decreased significantly, and advice on what you can do to help us help you.

Yes, Its your right and responsibility to monitor and protect your own credit.

The government has a set of laws to help you called the Fair Credit Reporting Act.

Practical Consultants is here if you need help from professionals who work with the bureaus and these laws every day.

No. Hoping for someone else to make a mistake is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments. Our effectiveness is one reason why we’re ranked as the top credit repair agency by several financial-related websites, blogs and authorities.

No. Disputing is outdated and ineffective compared to modern credit enhancement techniques. While most credit repair companies still send out template, cookie-cutter disputes, this is not a very effective method of removing negativities from a credit report.

We challenge the report-ability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to.

This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient.

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

Unfortunately, with hundreds of clients, we have to streamline communication. As you can imagine, everyone has their preferred method of communicating, so if we have people trying to text, whatsapp, FB message or calling our personal cell phones, communication can quickly get lost and you will feel unimportant, which is certainly not the case.

Because we want you to get the attention your concern deserves, we funnel all communication through either your Secure Client Portal or by email to info@practicalconsultants.net

This is completely normal. During the repair process, challenged items get placed into a Disputed Status that affects the way the information is calculated. In fact, it is common to see a large drop in the first month or two of repair, but again this is normal, and nothing at all to get concerned about. Once the investigations are completed and those accounts are removed, the scores will reflect the correct changes.