Straightforward answers to common credit questions, written by the team at Fix Your Credit Consulting in Valley Village, California. Each answer cites the law where it applies and is reviewed by our CEO, Sandra Ruiz. To talk about your own report, start with a free consultation.
Last reviewed October 15, 2026 by Sandra Ruiz, CEO.
How to dispute credit report errors: get your free reports, gather proof, file with the bureau and the company that reported the item, and track it.
Read the answer →Under the Fair Credit Reporting Act, a bureau generally has 30 days to investigate your dispute, or up to 45 if you send more information.
Read the answer →Credit repair reviews your report for errors. Debt settlement negotiates to pay less than you owe. Learn the difference and the fee rules.
Read the answer →How to choose a credit consultant in Los Angeles: FTC red flags, what a written contract should include, and the questions to ask before you pay anyone.
Read the answer →A good credit score is generally 670 or higher on the FICO scale of 300 to 850. Learn the score ranges, what drives them and why lender cutoffs vary.
Read the answer →Checking your own credit is a soft inquiry and does not lower your score. Learn how soft and hard inquiries differ and how shopping for loans is counted.
Read the answer →A collection account can lower your credit score and can stay on your report for up to seven years. Learn how collections are reported and your rights.
Read the answer →Preparing your credit before buying a home in Los Angeles: which score lenders use, errors to fix early and when to pause new credit. Not loan advice.
Read the answer →Start with a free consultation and a general review of your credit scores from the three bureaus. Individual results vary.