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WHAT IS CREDIT?

"Credit” is the privilege to use the financial means of another party. When you apply to any financial institution for a loan, mortgage or credit card, you need to provide evidence of the ability to repay, and a history of repaying past credit. You can get better terms with lower interest rates if you have good credit ratings, but with a poor credit rating, you may not get credit at any price. Building a good credit record is important to achieve many desirable goals, such as home ownership, vehicle financing, and various forms of wealth building.

WHAT DO CREDIT BUREAUS DO?

Credit Bureaus are companies that maintain records of your credit lines and performance. Records go back seven years, and up to ten years, for bankruptcy data. Creditors, banks, mortgage companies and other financial institutions supply this information to the credit bureaus, and they compile them into a credit report. A credit report has details of how you have managed credit in the past, so other lenders can judge your credit worthiness. They tract the following information:

  • Open accounts.

  • Closed accounts.

  • Credit limits.

  • Current balances.

  • History of on time and late payments.

  • Collection actions.

  • Tax and other liens

  • Home Ownership.

  • Current address, and former addresses

WHAT IS CREDIT REPAIR?

Credit repair is the process of cleaning up inaccuracies on your credit report, removing wrong or inaccurate information, protect your identity and become more informed on your credit issues. If you repair your credit file, it is likely your credit score will improve, and thereby will obtain better interest rates and save money.

IS CREDIT REPAIR LEGAL?

Yes! Ethical credit repair companies utilize 100% legal strategies to improve your credit profile. We pride ourselves in being bonded and licensed in the State of Texas.

IS CREDIT REPAIR WORTH IT? WHY?

To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it's just about everything. When you start realizing how far it goes, it's easy to do a little math. 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.

HOW DO I GET STARTED?

The first step is to request your free credit review. In your free credit review, you and one of our highly trained credit analysts will review your credit profile in-depth and develop a clear and concise road map to better credit scores. Afterwards, you can decide if our services are a good fit for you. You are under no obligation to enroll in our services.

WHEN DO I SEE RESULTS?

It's a pretty normal question to ask: how long is this going to take? The honest answer is that it depends on your goals, your situation and how much work you need done. Some clients will begin to have results from the individual creditors and collection companies within 30-45 days. Your results come directly to you, so you know exactly how your credit repair is progressing, even before we do! We look at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact and helps the CNA Credit Solutions experts get to work quickly to make sure your creditors are being responsible regarding the information they're reporting about you.

CAN WE COMMUNICATE THROUGH EMAIL?

We are here for you throughout your credit repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward.

WHAT ARE THE HOURS I CAN SPEAK WITH A CNA CREDIT SOLUTIONS ADVISOR?

Sometimes you just want to talk to somebody to ask questions, get encouragement or understand the process better. And we’re here to talk to you. Simply schedule a support call. If you schedule before 4:00pm central, someone will call you within the hour.