FREQUENTLY ASKED QUESTIONS
What is the Kelly Group?
The Kelly Group is a professional
credit consulting firm with extensive experience in all phases of credit
restoration, negotiation, and counseling. We advise mortgage brokers on how
to maximize their clients’ credit score. Back to top.
How do I obtain a copy of my Credit
Report?
These are the only two ways to obtain your actual FICO
scores: through your mortgage broker or from MyFico. Every loan
officer determines your eligibility by looking at the middle of your three
scores. The scores offered by the individual credit reporting companies ARE
NOT your FICO scores! For more information on this subject see "FICO
scoring" above. Back to top.
Can Credit Consulting help me?
In one way or another, credit consulting can help everyone.
Generally speaking, even the most damaged credit histories have the
potential for improvement. By expanding your credit knowledge, and taking a smarter approach to your credit file, there is a very high probability that your credit
worthiness will improve over all. Back to top.
How long do negative items remain on my Credit Report?
The general rule of thumb is that negative items remain on
your report for seven years, although some items alter depending on what
state you currently reside in. Positive items can remain up to ten years.
The negative files removed by The Kelly Group stay "removed" forever. Back to top.
How often can I check my credit?
As a consumer, you have the right to view your credit history with no negative impact. However, every time your score is pulled by a third party, it drops approximately 2
points. To avoid any unnecessary damage, we recommend that
our clients don't apply for new credit during the course of credit repair, and advice brokers or loan officers to do the same. Back to top.
Who do I contact with any other
questions I have?
Feel free to contact
The Kelly Group either by email or phone. Our Sales Team is eager to answer
all of your questions. Our
information is located on the our contact page. Back to top. |
