Below are some of our most frequently asked questions.
If you have other questions, please just send it to Support@thepmichelleagency.com.

Tel: 803-662-8509


A credit bureau is a consumer reporting agency (CRA) who collects all types of facts about how you handle your money. A credit bureau keeps track of when you applied for loans, how much you applied for and received, and how well you do at paying your bills on time. Also, a credit bureau knows whether you’ve ever left a credit account unpaid and how much you owe to each of your creditors. Credit bureaus sell your credit information to all kinds of entities for a variety of reasons. Some companies who buy your credit history will try to send you credit card applications. Some will see you’re not a good credit risk and avoid doing business with you.

Your credit report is a document that consists of all the information that a credit bureau compiles about your financial and bill-paying habits over time. Your credit report includes: 1. Your address and where you’ve previously lived 2. The creditors you currently owe: loans, charge cards, and more 3. Past credit accounts 4. How many times and with whom you applied for a loan 5. Whether you pay your bills on time 6. If you’ve filed for bankruptcy or had tax liens in the last 10 years 7. Other facts about your financial and credit life/p>

If you want to stay informed about how you’re doing financially in terms of managing loans, payments, and the like, you’ll want to get a copy of your report at least yearly. Many companies now look at your credit report before doing business with you, including potential employers, cell phone companies, and insurance providers. The information in your credit report also determines if you can get a loan and how much interest the creditor will charge on your loan. The better your credit history, the better loan terms you can receive. Your credit report can save you, or cost you, many thousands of dollars on large loans like mortgage loans. In the event your personal identification, credit cards, or checking account has been compromised, it’s wise to follow your credit report very closely. In addition, credit reports often have mistakes that can cost you money or even a chance at a lucrative new job. So it’s important to keep track of the information listed in your report and if it reflects you accurately. You can have mistakes eliminated or corrected.

Items cannot come back as long as the item is current or paid at the time of removal. This holds true except in very rare circumstances.

While we cannot make guarantees of scores increasing, through our services, 93% of our clients see their credit score increase of10 points or more in the first 35 days. Over the full 90-day term of services, the average credit score increase is 80 points.

With our assistance and document processing, our clients have had great success with the removal or improvement of inaccurate, erroneous or obsolete bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, and student loans.