FAQ

A hard inquiry occurs when a lender or financial institution checks your credit report as part of their decision-making process. While a hard inquiry is necessary for certain types of credit applications, it can impact your credit score by a few points. If you notice an unauthorized or inaccurate hard inquiry, you can dispute it to potentially improve your score.

If you believe a collection account is inaccurate, outdated, or wrongly reported, you can dispute it with the credit bureaus or the collection agency. We provide a professionally written letter to help you challenge the entry and work toward removing the incorrect account from your credit report.

A factual dispute involves challenging inaccurate information on your credit report that doesn't match your records. This could include incorrect balances, dates, or account details. If you notice discrepancies on your credit report, submitting a factual dispute can help correct the errors and improve your credit score.

If there are inaccuracies in your personal information, such as your name, address, or date of birth, you can submit a personal information dispute. This ensures that your credit report accurately reflects your details and helps prevent potential fraud or confusion in the future.

Yes, if your bankruptcy entry is inaccurate, outdated, or incorrectly reported, you can dispute it. Bankruptcies should only be reported for a certain number of years, depending on the type of bankruptcy. Our advanced bankruptcy dispute service helps you challenge these entries to potentially improve your credit standing..

Charge-offs are often the result of missed payments and can have a significant impact on your credit score. If you believe a charge-off is inaccurate, outdated, or wrongly reported, you can dispute it with the credit bureaus. Our advanced charge-off dispute letter service helps you challenge these entries effectively.

Medical collections can be the result of insurance disputes, errors in reporting, or payments not being applied correctly. If you find any inaccuracies in your medical collection entries, we provide a detailed letter to dispute them with the credit bureaus or collection agencies, helping to clean up your credit report.

At Kay's Credit Consulting, we specialize in identifying and disputing inaccuracies, errors, and outdated information on your credit report. We offer tailored dispute letter services for a wide range of credit issues, including hard inquiries, collection accounts, bankruptcies, and more. Our goal is to help you clean up your credit report and improve your credit score, opening the door to better financial opportunities.

Kay's Credit Consulting is committed to providing personalized, hands-on credit repair services. We take the time to understand your unique situation and create custom solutions for each client. Our expert team is dedicated to resolving credit report errors quickly and efficiently, and we provide ongoing support to help you maintain a healthy credit profile. With years of experience and a track record of success, we are here to guide you every step of the way.