Infinity Financial Consultants LLC.


Your credit is repaired by using your consumer rights under the FCRA (Fair Credit Reporting Act). 


Each case varies as your report is usually more than 5-10 years old. Expect 3-6 months in most cases. Most clients start to see results in 2 to 3 weeks!

How much does the service cost?

Initial Assessment --- FREE
Repair And Consultation Process --- varies per client.

How many credit bureaus are there?

There are 3 MAJOR credit reporting agencies. Experian, Transunion, and Equifax. Your score at each of these agencies can be drastically different based on what's being reported to them by your creditors. There are other smaller agencies but these are the ones you want to focus your attention on.

Am I required to sign up for a credit monitoring service?

Yes. and only!!! No exceptions, these are the only accurate and precise outlets. Enrolling in the monitoring services is the only real time method on tracking progress. Often these services are well worth the $10 - $20/mo they charge. A small price to pay in comparison to the debt on your report.

Remember hiring us eliminates you from the worry of repairing your credit so patience is a virtue. With everything worth while there is a process, so please allow the process to work for you. We will contact you as needed with any and all changes. This includes giving us total control of all credit monitoring accounts. We understand that may be a challenge, but understand its a MUST for the best outcome. 

How long does information remain on my report?

Credit bureaus report credit information for a period of seven years. Some states have special provisions for collections and paid liens. Anything that is in the Public Record area ie Bankruptcies, Judgments, Tax Liens, can be reported for up to 10 years.

What kind of items have you had success removing from a credit report?

We've had a wide range of things deleted such as, collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, judgments, credit card debt, inquires, slow pays, old addresses, and incorrect names. ALL Inaccurate and unverifiable Information

Will the accounts that get removed from my credit report ever come back?

Not usually. If this does occur, inaccurate and unverifiable information can be redisputed. After the account has been deleted two times, by law it can not be put back on your credit report.

Who are the three Credit Bureaus?

Experian, Transunion, and Equifax

Why do Credit Bureaus not want me to use a Credit Repair Company?

The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you do have the right to repair your credit yourself, many individuals do not have the necessary experince to deal with the Credit Bureaus. You may also have to spend hours studying the laws to gain working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work.

How long does it take you to repair my credit?

Each case varies. You can expect to start seeing results within the first 30 to 45 days. On average it takes between 60 to 90 days for us to repair your credit.

How often should I expect to get mail from the credit bureaus?

Every 30 – 45 days. If you have not sent us all of your results we will automatically update you every 60 days.

Does paying off my bills repair my credit?

The credit reporting system doesn’t work that way. On a scale of 1 to 9, 1 being good and 9 being bad, a collection is considered a 9 and a paid collection is also considered a 9, bad. The older something is that is being reported on your credit report the less it affects your credit score. Therefore, if you pay off an old debt, it now becomes a new negative thing on your credit and can actually lower your credit scores. This is why trying to remove an old debt from your credit first can have a much more positive affect on your credit report, than simply trying to pay it off.

How does a Credit Bureau make money?

There are several ways that the Credit Bureaus make money. One of the ways is by selling your credit report to others. Someone that has bad credit has to apply to more places to get approved, more places means more money in their pocket. Another way the Credit Bureaus make money is that all of these companies report the inquiries, all paynents (on time and late)to the credit bureaus.

Why should I use a Credit Repair Company?

We can get the job done faster and more efficiently. We have spent years working to perfect the ways we can best serve our customers. When you want to get your car fixed you can do it yourself or you can go to a mechanic. This is the same thing. You can fix your credit yourself, look up the laws, learn your rights, and spend extra time learning things that we have already spent the time learning, or you can let us help you.

How do you do this legally?

According to the Fair Credit Reporting Act, everything on your credit report should be reported with 100% accuracy. ie amount owed, dates, the correct collector. Disputing inaccurate information on your credit report is your legal right.

What are your guarantees?
Legally no company can guarantee a certain score or outcome, but based on our knowledge of the credit process along with following the guidelines set forth by the government and the Fair Credit Act, we can guarantee that our work can and will enhance your credit situation. We also believe that, if you follow the guidelines set fourth, and we do everything that’s required of us as your credit consultants to do, the only thing that can happen is your credit picture being transformed in a positive way!

What do you have to lose?

Absolutely Nothing. You have EVERYTHING to gain.