Personal Credit Repair: It all depends on your current credit situation and what needs to be done. Anywhere from 2 hours to 90 days or so to see a credit credit scores increase and account deletions, etc. Add-on like AUs or Authorized user accounts can take 7 days to 37 days.

You will start receiving funding with 72 hours or less after submitting your application. We will need your D&B number as well as your tax ID/EIN Number. Preferably, a company/business should have been formed at least 1 year prior ( for this particular program. Should have a business checking account, business address, website, 411 visibility.

Funds can get to you within a few hours to 2 weeks, depending on the type of funding and the speed at which you send in the necessary docs, if any.

We customize our strategies to fit your personal situation. Other companies may use blanket repair. This is where they use the same strategy for everyone and drag the process out for 1 to 2 years. Our goal is to complete the process in 90 days or less. We also provide funding IQ which determines your fundability. This helps you to increase your approval rate when applying for funding, credit cards, etc. A declined application hurts your credit a lot! Therefore, we tell you what lenders want to see on your credit report (whether you are applying for credit cards, mortgages, business loans, auto loans, etc.) and prep you for success! We also offer business credit building and various funding options. And, we have a ton of experience in this arena!

Yes, we keep all data safe, secure, and locked away. It is destroyed once our work is completed. We are insured and boded. Many other companies are not.

Yes, you can cancel at any time

This is an account that you are added to as an “authorized user” and the individual has excellent payment history, accounts open for quite some time, and this information is shared on your credit report with the potential to raise your scores at a higher rate and a faster rate. It seldom works as well as it could if you do not take care of other derogatory accounts. And, this AU account should be added on last, as the finishing touch. This is when it is the most effective. Fico 10 which is one of the newer credit software programs that will be used by creditors and credit agencies in the near future or as we are writing these words, will reduce the effects of the AU if it has less than 2 to 3 years of history.

Yes, but this is not a guarantee, it is worth a try, but requires a lot of work and you will need to send in original filings, supporting docs, etc. and you will still be responsible even if it is removed.

Yes, but this is not a guarantee, it is worth a try, but requires a lot of work and you will need to send in original filings, supporting docs, etc. and you will still be responsible even if it is removed.

Yes, inquiries older than 60 days and inquiries for accounts that you did not get credit for or have accounts with can potentially be removed. Late payments- Yes (maybe 1 to 2 per creditor with a good will letter). Accounts over 6/7 years-yes this is possible, and accounts that we can prove that are not yours we should be able to delete-quickly.

No, you do not.

Yes, you can.

Yes, depending on the types of funding, the institutions, and if you can afford to.

Yes, we can assist you.

Yes, this depends…if the accounts are yours and you do not want to pay off what you owe or you do not have the ability to pay off what you owe (once we negotiate with the creditor) your scores will go up, then go back down on a monthly basis. If you do not own these accounts ( do not want to pay them down or off), then this is a different scenario and another strategy can be implemented to allow scores to continue to soar with our efforts.

No, we do not.

Please shoot us an email at info@lendipity.com with any questions that we have not addressed.