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Here are some frequently asked questions we often receive. At IIY Consulting, we are committed to spreading knowledge about credit. It’s important to understand that not knowing about credit can have negative consequences, so it’s crucial to learn as much as possible. If you can’t find the answers to your questions on this page, feel free to contact our specialists. They will gladly assist you with any inquiries you may have.

Credit repair involves the elimination of inaccurate, unverifiable, or erroneous information from your consumer credit reports. Your or a reputable credit repair organization can communicate with credit bureaus, identifying and disputing any incorrect or false information on your report, and requesting its removal or adjustment.

These adjustments and deletions of negative items from your credit report improve your FICO scores, leading to higher odds of approval and less interest paid.

Yes, It’s your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. We are here if you need help from professionals who have expertise working with the bureaus and these laws every day.

We offer a guarantee that you will experience positive results within 90 days or receive a refund. Although we make every effort to promptly remove inaccurate, unfounded, out-of-date, false, and erroneous information, it’s important to note that each case is unique, making it impossible to provide an exact timeline. The duration of the process may vary depending on the number of items we need to address. Typically, the overall timeframe falls within nine months, but in some cases, it may even be shorter.

We can only fight to remove any items that fall under the guidelines of the FCRA. These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.

You will have access to a secure client portal and receive emails/mail directly from the credit agencies that note your progression.

Additionally, 1:1 progression calls will be scheduled based on client needs.


While we do ask you to sign a customer contract, please note that it does not include mandatory service terms. Our focus is solely on providing a service that you have the freedom to cancel at any time.


With our partners, we offer small business financing consulting services, including business structure and formation guidance, funding assistance, and scaling tactics to help your business grow. Our team of experts can provide you with the guidance and support you need to maximize your business’s potential.


Credit repair is a lawful method for enhancing a compromised credit history and elevating your credit score. While you can enlist the services of a professional company to assist you in repairing your credit, they cannot accomplish anything that you cannot achieve independently.


Please note, that although we are able to remove this from your credit profile you may still be liable for this claim.


But no seriously, the recommended timeframe for credit repair depends on your specific goals. If you are planning a significant purchase, such as a new house or car, it is advisable to begin the process at least four months prior to your anticipated purchase date.


While we are actively working on improving your credit history, it is important for you to take responsibility for protecting your credit. Adding new damage to your credit report will work against our efforts.

IIY Consulting differentiates itself through its transparent business practices, personalized attention, and commitment to client success. Our team of experts will walk you through every step of the process and provide education to ensure you fully understand the services you receive.

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