Question 1

How does credit repair work in Mississippi?

Accepted Answer

Our team disputes inaccurate or unverifiable items on your credit reports and helps Mississippi clients rebuild credit through guided strategies.

Question 2

Is credit repair legal in Mississippi?

Accepted Answer

Yes, credit repair is legal in Mississippi under federal and state law. Guard My Credit follows all Credit Repair Organizations Act requirements.

Question 3

How quickly will I see results?

Accepted Answer

Most Mississippi clients notice improvements within 30 to 60 days, with full programs running three to six months depending on the file.

Question 4

What types of negative items can you help with?

Accepted Answer

We dispute late payments, collections, charge-offs, repossessions, medical bills, and other inaccurately reported negatives.

Question 5

What payment options are offered?

Accepted Answer

You can choose Pay-As-You-Go with no contracts or a Financed Plan with monthly payments that get reported to Equifax through Denefits.

Question 6

How much does credit repair cost in Mississippi?

Accepted Answer

Services generally range from $39 to $59 depending on your chosen plan.

Question 7

Can credit repair help me qualify for a mortgage?

Accepted Answer

Yes. Many Mississippi clients use our service to prepare for home loans by removing inaccurate negatives and boosting credit scores.

Question 8

Do you report payments to credit bureaus?

Accepted Answer

Financed payments are reported to Equifax via Denefits after your first payment, helping establish positive credit history.

Question 9

Can bankruptcies or foreclosures be removed?

Accepted Answer

We cannot remove accurate bankruptcies early, but we can dispute reporting errors and ensure they age off as required by law.

Question 10

Will credit repair increase my score?

Accepted Answer

Yes, correcting errors and adding positive tradelines often results in meaningful credit score improvement.

Question 11

Can I do credit repair myself in Mississippi?

Accepted Answer

Yes. You can file disputes directly with the bureaus, but many clients choose Guard My Credit to save time and ensure effective results.

Question 12

Do you offer credit education?

Accepted Answer

Yes, we provide tools and coaching on responsible credit building, including tradeline opportunities and loan prep.

Question 13

Is there a satisfaction guarantee?

Accepted Answer

Yes, if we cannot improve or remove items within a set timeframe, we extend service or provide refunds per our policy.

Question 14

Does disputing hurt my credit score?

Accepted Answer

No. Disputing inaccurate items does not lower scores. Removing errors and building positive credit typically improves them.

Question 15

How do I start credit repair in Mississippi?

Accepted Answer

Sign up online, select your preferred plan, and one of our credit specialists will walk you through the next steps.

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