Frequently Asked Questions

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Credit repair works best for people that have already come out of their personal recession.  Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan?  If so, we want to talk to you.

Credit repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report.  Your credit report dictates your credit score.  The 3 major credit bureaus collect information from lenders, creditors, and debt collector and apply it to your credit report.  Based on that information, your credit score is determined.  This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization ( the percentage of debt you have to available credit)

The best answer is that it depends — on your goals, and the plan you selected…However most of our clients see results within the first 30-45 days. 

We look at your individual situation and build your own Customized Plan accordingly. Your Plan focuses on the areas that will make the most impact. At Vertexx Enterprise, we get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you. 

Yes, you can.  There is technically nothing a credit repair agency can do that you can't do yourself.  However, you need to be willing to put in the work and educate yourself about credit law.  In fact, you can order our DIY ebook that will give you the tools necessary to begin yourself.

• Keep in mind, however, that it is a lot of work contacting agencies and creditors.  The process of trying to work out settlements and verify information can be daunting.  For this reason, many people choose to have credit repair company to do this work on their behalf. Not only are they diligent in their work, they also know the ins-and outs of credit repair better than anyone. 

Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely.  To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database.  Every Vertexx employee is trained to properly verify customer information and never to disclose this information to unauthorized parties.  Please review our privacy policy for further information.  

To know whether credit repair is worth it, you just have to look at what your credit account is made of.  Also, how credit impacts your every day life and honestly, these days credit is EVERYTHING. When you start realizing how far credit goes, and how much money you can save just by making this small investment you’ll be amazed.

Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan.  It can keep you from getting insurance coverage or even a job.  It can even make everyday needs and decisions more difficult.