FAQs

Credit optimization takes the information on your report and ensures that it's both accurate and up-to-date. We can support you on your credit journey with a turnkey approach to understanding how to manage your credit scores and reports and how you can restore/ repair your credit. 

You have a right to accurate reporting of your accounts and if there are items on your credit report that are incomplete or inaccurate or not yours then Laurie Claire Credit Consulting can help you investigate those items.  You also can learn how to do this on your own.  

No, checking your own credit is called a "soft pull". This means it won't affect your credit. This misconception occurs because "hard pulls" -- where a creditor checks your credit score to see if you qualify for credit -- can temporarily lower your score.

Bankruptcy can have a profound, long-lasting impact on your credit score. For this reason, it's good to speak with a credit professional to understand your options for re-establishing your credit post-bankruptcy.  

This answer varies based on your situation. While you can start seeing an impact within weeks we recommend that you consider a minimum window of 30-45 days for results to impact to credit reports. 

There are three primary credit reporting agencies: Experian, Equifax, and TransUnion (also Lexis Nexis for public records). There are many reasons for the differences in scores however, it is critical to ensure whomever is reporting your information is reporting it accurately and truthfully.  If there are inaccuracies then you could have reason to dispute and investigate that information to have it removed or repaired.