Frequently Asked Questions

Credit repair is the process of correcting inaccurate information from your credit report. Our job is to dispute any questionable items with all three credit bureaus in order to ensure your profile is accurate and up-to-date.

Building credit usually refers to activities that could add new, positive information to your credit like adding a Trade Line that's in good standing.

Under the CROA (Credit Repair Organization Act) guidelines, we can only fight to remove any items that fall under these guidelines. These are items that should be removed because of inaccuracies.

You have 24/7 access to the portal on Reach850.com, where you can log in and check for progress on your case. You can also check on Creditheroscore.com for an updated credit report.

Reach850 is based out of Tampa, FL. However, we do service anywhere in the United States.

While each client is unique, average results typically take about 30-45 days.

We are usually able to complete the process within three to six months. However, results may vary.

1. Stop applying for credit (each time you do it lowers your scores)

2. Do not close any accounts (this also lowers your score)

3. Pay your credit cards down to below 30% of the available credit line. This will make a huge positive impact on your credit score.

4. Never spend more than 30% of the available credit line, even if you pay the balance in full each month.

5. Pay your bills on time! One missed payment will dramatically lower your score and undo all our work.

6. Keep your credit monitoring account active throughout the credit repair process so that we can see the changes to your accounts and scores. Your score will never suffer if you're ordering your reports. Be sure to let us know your login details to the credit monitoring account. You can add those to your client portal.

7. Most importantly. We'll be sending many letters to the bureaus. At sure to open all of your mail and forward the replies here to us. This can be as simple as taking a photo with your phone and uploading it to your portal (or attaching it to an email).

Yes, we dispute with Experian, Equifax, and Transunion.

We have different payment options that are tailored to meet different budgets, and we also offer different packages to choose from.

Click here for pricing https://reach850.com/repair-packages

Reach850 credit specialist will forward you an invoice via email for whatever package option you choose. Cash, debit/credit cards, and bank transfers are other payment options.

Your service will be canceled after two days of non-payment. To prevent cancellation, please contact us in advance. If you wish to reinstate your services with Reach850, you will need to sign up again.

1. Log Into Your Secure Client Portal. We will email you the login details.

2. Watch our 2-minute video. Reach850.com (Bottom of the page)

3. Provide a copy of your Photo ID and a copy of the top section of a recent utility bill (an insurance statement or another utility bill) as proof of current address to include with our letters to the credit bureaus. Take a picture of these on your phone and upload them to us in your client portal.

Your dispute letters will be mailed when you upload all of the acceptable identification to the portal.

Credit counseling can help you understand your spending and debt situation, develop a budget, and make responsible debt payments.

It's advisable to engage with only one credit repair company at a time. Some may believe that hiring multiple companies could expedite score improvement, but this isn't accurate. Consistency in the information provided to credit bureaus and creditors by your credit repair company is crucial for effective results.

Credit monitoring services alert you to any changes made to your credit reports to help protect you from potential financial harm. We recommend paying for the monthly credit monitoring service to stay up-to-date on your reports. The $19.99 credit monitoring fee is separate from your monthly installment payment, which is paid directly to Credit Hero Score.

You may cancel the contract, without any penalty or obligation, at any time before midnight of the third day which begins after the date the contract is signed by you. If you cancel your service within three days of enrollment, you will receive a full refund. Please email support@reach850.com for assistance with your refund.

We dispute late payments, delinquent accounts, charge-offs, collections, hard inquiries, and any other inaccurate information on your credit report.

To sign up for the affiliate program, please click here. https://reach850.com/affiliate-program

 You will be paid $50 seven days after the lead becomes a client. *Affiliated Partners Only