Credstart

What’s the difference between Traditional Credit Repair and The Score Booster Program?

Traditional Credit Repair takes a comprehensive approach to addressing derogatory marks on your credit report. We analyze your credit history and work to remove charge-offs, late payments, bankruptcies, collections, and inquiries to improve your score over time. The Score Booster Program is a strategic roadmap designed for rapid improvement, typically in 15 to 60 days.

Why is my Credit Karma credit score different from my broker’s scores?

Credit Karma uses a generalized scoring model, which prioritizes different factors than traditional lenders and brokers. Many lenders use FICO scores, which weigh credit elements differently. For the most accurate score, we recommend obtaining a report directly from your lender or requesting an official credit inquiry (though this may result in a small point deduction).

Why does my credit score fluctuate after starting with CredStart?

During the credit repair process, your score is influenced by updates, removals, and disputes, which can cause temporary fluctuations. Example: Your score may increase by 100 points one week, drop by 80 points the next, and rise again by 85 points a few days later. This is a normal part of credit restoration as the system recalibrates.

Can I apply for new credit during credit repair?

While you can apply for new credit, we recommend waiting until your score stabilizes. Our credit analysts will guide you on the best timing to maximize approval odds and prevent unnecessary score fluctuations. Before applying for new credit, consult with your analyst to determine the best approach.

Will negative items return after being removed?

Once a negative item is successfully removed, it should not reappear. However, in rare cases: ● Duplicate reporting may occur (e.g., the same account being reported twice). ● If an account with the same balance and account number resurfaces, we will reassess it for complimentary removal (if you're actively engaged in our Credit Repair process).