Frequently Asked Questions

The credit repair process works by understanding and acting under the Fair Credit Reporting Act (FCRA). The FCRA protects consumer information and allows consumers to dispute inaccurate, incomplete, negative, and outdated items on their credit reports. Credit reporting agencies are required by law to investigate the disputed information and report their findings to the requestor within 30 days.  

The Finance Boss, LLC prepares and mails dispute letters to the 3 credit bureaus and creditors disputing inaccurate, incomplete, negative, and outdated items on the client's credit reports.

After becoming a client and going through the onboarding process, the client will have the opportunity to sign up for our recommended credit monitoring service. The client's credit report will be imported and audited. This will not affect your credit score. Together, we will determine the best course of action for deciding which item to dispute. The client will never be responsible for sending letters directly to credit bureaus and creditors. The credit bureaus are allowed 30-45 days to respond to all disputes according to the FCRA. The client will be responsible for forwarding all dispute responses and any necessary documents through the client portal.  

The Fair Credit Reporting Act (FCRA) is a law that protects consumer information collected by credit reporting agencies. The FCRA protects consumers' right to an accurate credit report by allowing them and credit repair companies to dispute negative items on credit reports.

You can read more about the FCRA on the Fair Trade Commission's Website.

Our credit consultants work closely with the client to identify the goals and needs of the client. We work together to determine the best credit repair plan and gather the necessary documents. Our consultants provide credit counseling and financial education resources to each client. We also offer an in-house credit monitoring services to our clients for a nominal monthly cost. 

Below are the mailing addresses for each bureau. You can visit their websites to find more information and phone numbers.

Equifax 

P.O. Box 740256

Atlanta, GA 30374

TransUnion

P.O. Box 2000

Chester, PA 19016

Experian

P.O. Box 9701

Allen, TX 75013