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Services

Monthly Plans

All negative items and inquiries removed. This plan excludes bankruptcy removal.

Inquiry Removal

Removing all non account holding inquiries from all 3 credit reports. All non account hard inquiries will be removed. 

Total Credit Repair

All negative items and inquiries removed. This plan includes bankruptcy removal. 

Miles Matias Financial Consulting LLC

Frequently Asked Questions

Most frequent questions and answers

How Long Does It Take For My Credit To Be Repaired?

Unfortunately, repairing one’s credit is not an overnight process. It does take time for credit bureaus to receive and update their files upon new information being sent to them from companies, agencies, or creditors. By law, credit bureaus have 45 days to update their reports with new information they’ve received, so the sooner they are made aware of changes to one’s credit, the sooner their reports will reflect that.

Can Repairing My Credit Improve My Chances Of Getting A Job?

It certainly can’t hurt. Employers have been known to pull the credit reports of potential hires for a variety of reasons. In some cases they’re simply trying to verify the identity of the person. In others, they may be looking for signs of stability.

In the case of financial-based positions, the likelihood of a credit check being performed is much higher. According to a 2009 survey by the Society for Human Resource Management, 91% of employers performed credit checks for positions involving financial responsibility. 47% of companies performed credit checks when hiring for at least some of their positions, while 13% performed them for all positions.

It should be noted that while employers can legally perform a credit check on you, they can not get your actual credit score number. As such, improving your credit report specifically for appearances’ sake as opposed to doing so to improve your credit score, will likely involve tackling it in different ways.

Should I Just Create A New Credit Report Profile?

No, this is illegal, and comes with severe penalties. If you come across any service that claims to be able to perform such a feat, avoid them like the plague. Any service that promises amazing results, like completely clearing your credit file, is simply not being truthful.

When you come across any such company, or are treated unfairly by a credit repair agency, you are encouraged to contact the Federal Trade Commission and file a complaint. Credit repair agencies are in fact one of the most frequently complained about services to the FTC, owing to the many shady operations that lurk around the internet. This is why’s it’s so important to find legitimate services that are interested in doing real work on your behalf and helping you with your credit score, like the ones right here on CreditMarvel that have received our highest recommendations.

Real credit repair agencies know that there are no guarantees in repairing credit, and that it takes hard work and persistence to see results. This requires some patience on your own part, as well as providing the agencies with as much information as possible so they can better represent you.

Are There Really Inaccurate Items In My Credit Report?

The false assumption by many people is that any information that is contained within their credit report is likely accurate, which is why many people don’t pursue repairing their credit, as they feel it is a lost cause. This is absolutely wrong.

The FTC reported in a 2012 study that 26% of credit reports that were analyzed had errors in them. Furthermore, 5% of people who disputed those errors had credit score jumps of at least 25 points, which is quite significant.

Don’t assume your credit report is accurate and leave your credit score up to chance.

Can The Credit Of My Spouse Affect Our Ability To Get A Loan?

Many couples believe that as long as one of their credit scores is fine, they should have little problem getting necessary lines of credit. This is not always the case. While couples do not have any sort of collective credit score, when applying for a large loan like a mortgage, chances are that both partner’s credit will be taken into account. If one has a flawless credit score, yet the other’s is decidedly more spotty, this could result in higher interest rates or even the outright denial of the loan. It’s therefore beneficial to make sure the credit scores of both are as good as they can be.

Can I Repair My Credit On My Own?

Yes, you can. There is technically nothing a credit repair agency can do that you can’t do yourself, if you’re willing to put in the work and educate yourself about credit law. In fact, you can find DIY kits and other resources like books online that will give you the tools necessary to begin repairing your credit. Check out our article on Credit Repair Resources to find the best of these tools.

It is a lot of work contacting agencies and creditors however, and trying to work out settlements or verify information. For this reason, many people choose to have credit repair agencies do this work on their behalf. Not only are they diligent in their work, they also know the ins-and-outs of credit repair better than anyone, and know how to negotiate with creditors.

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