1. Q: What does InvestUp do exactly?
A: InvestUp is a credit repair and strategy firm. We help clients dispute inaccurate credit items, build positive credit habits, and create custom strategies to improve their financial health.

2. Q: Is credit repair legal?
A: Yes! Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or unverifiable items on your credit reports.

3. Q: How long does credit repair take?
A: It depends on your credit profile. Some clients see results in 30–90 days, while others may need 6+ months. We create realistic timelines based on your situation.

4. Q: What items can you help remove from my credit report?
A: Common items include late payments, charge-offs, collections, repossessions, foreclosures, bankruptcies, and duplicate accounts.

5. Q: Do you guarantee results?
A: No one can guarantee deletions, but we guarantee professional service, legal dispute methods, and full transparency throughout the process.

6. Q: Will this hurt my credit score?
A: No. Disputing inaccurate or outdated items may actually improve your score over time.

7. Q: Do you work with all three credit bureaus?
A: Yes—Experian, TransUnion, and Equifax.

8. Q: Do you send letters or file disputes online?
A: We use proven, written dispute methods to increase response effectiveness and compliance with federal law.

9. Q: Can you help with identity theft?
A: Yes, we assist in removing fraudulent accounts and documenting identity theft to restore your credit.

10. Q: Will I have a personal credit coach?
A: Yes. Every client gets a dedicated credit strategist to guide them through their journey.

11. Q: How much does it cost to get started?
A: Our startup fee is $397, followed by four monthly payments of $150.

12. Q: How do I pay for services?
A: We accept electronic payments via PayPal, Cash App, or other secure digital methods.

13. Q: What’s included in my credit repair plan?
A: Credit audits, disputes, credit-building tools, monthly reviews, and custom strategy planning.

14. Q: How will I track my progress?
A: You'll receive regular updates, dispute outcomes, and score tracking reviews every 30 days.

15. Q: Do you offer a refund if nothing is removed?
A: Our fees are for services rendered, not outcomes, but we stand by the quality of our work and client satisfaction.

16. Q: Can you remove student loans or bankruptcies?
A: If they are inaccurate, outdated, or not verifiable, yes. We cannot remove valid debts unless they meet legal criteria.

17. Q: Will this process affect my ability to get new credit?
A: Most clients see an improvement in their creditworthiness, which can enhance approval odds.

18. Q: Should I close unused credit cards?
A: No—keeping older cards open helps your credit age and can improve your score.

19. Q: How do credit scores work?
A: Scores are calculated based on payment history, credit utilization, age of credit, inquiries, and credit mix.

20. Q: What’s a good credit score to aim for?
A: 670+ is considered good, 740+ is very good, and 800+ is excellent.

21. Q: Do late payments really hurt that much?
A: Yes. One 30-day late payment can drop your score 60–100 points.

22. Q: Can I do credit repair myself?
A: Yes, but it takes time, research, and effort. We save you time and increase accuracy with expert guidance.

23. Q: Will you teach me how to maintain my credit?
A: Absolutely. Education and empowerment are core parts of our mission.

24. Q: How soon will I see credit score changes?
A: Some clients see changes within 30–60 days; more complex profiles may take longer.

25. Q: Is your process confidential?
A: 100%. We value your privacy and follow strict data protection standards.

26. Q: Do you help with business credit?
A: Our main focus is personal credit, but we can advise on business credit-building basics.

27. Q: What if I’m already working with a credit monitoring service?
A: Great! We work alongside those tools to help you stay informed and empowered.

28. Q: Can I stop services anytime?
A: Yes, though we recommend completing the full plan to maximize results.

29. Q: Do you offer discounts for couples or families?
A: Yes, ask about our bundled pricing options for households or partners.

30. Q: How do I get started?
A: Simply fill out our form, and a strategist will reach out to you within 24 hours to begin your credit journey!

31. Q: What are the three types of credit?
A: The three types are revolving credit (e.g., credit cards), installment credit (e.g., loans), and open credit (e.g., utility bills).

32. Q: What is a credit utilization ratio?
A: It's the percentage of your available credit that you're using. Keeping it under 30% is best—under 10% is ideal.

33. Q: How often should I check my credit report?
A: At least once every 3–6 months. You're entitled to a free annual report from each bureau at AnnualCreditReport.com.

34. Q: What’s the difference between a credit score and a credit report?
A: Your credit report lists your credit history; your credit score is a numerical summary based on that report.

35. Q: Can checking my credit score hurt it?
A: No. Soft inquiries (like checking your own credit) do not affect your score. Only hard inquiries do.

36. Q: What is a secured credit card?
A: It's a card backed by a deposit. It helps people build or rebuild credit safely.

37. Q: How does credit age impact my score?
A: Older credit accounts improve your score. Keep long-standing accounts open when possible.

38. Q: What’s a good credit mix?
A: A healthy mix includes both installment (e.g., loans) and revolving (e.g., credit cards) accounts.

39. Q: Can I improve my credit without a credit card?
A: Yes—by using tools like credit builder loans, paying bills on time, and disputing errors on your report.

40. Q: How long do negative items stay on my credit report?
A: Most stay for 7 years; bankruptcies can last 10 years. Some can be removed earlier if inaccurate or disputed.

41. Q: What’s the fastest way to improve my credit score?
A: Pay down credit card balances, make on-time payments, and dispute any errors.

42. Q: Do store credit cards help my score?
A: They can, but use them wisely. They often have high interest rates and low limits.

43. Q: What’s the difference between FICO and VantageScore?
A: Both are credit scoring models. FICO is more commonly used by lenders, while VantageScore is newer and used by sites like Credit Karma.

44. Q: Can closing a credit card hurt my score?
A: Yes, especially if it's an older account or one with a high credit limit. Consider keeping it open.

45. Q: How can InvestUp help me build credit from scratch?
A: We offer coaching, secured card recommendations, and credit builder tools tailored to beginners with no credit history.