Question 1

What is credit restoration?

Accepted Answer

Credit restoration is a review-and-documentation process. Your credit reports are examined for information that appears inaccurate, incomplete, outdated or unverifiable, and disputes are prepared where the facts warrant them. It also includes education on the habits that influence your credit profile over time.

Question 2

Can accurate negative information be removed?

Accepted Answer

No. Accurate, current and verifiable information cannot be removed from a credit report simply because a consumer dislikes it. Any company that promises otherwise is not being straight with you.

Question 3

How long does the process take?

Accepted Answer

It depends on your profile and how the credit reporting agencies and furnishers respond. Dispute investigations commonly take roughly 30 to 45 days per cycle, and most profiles involve more than one cycle. Your specialist will give you a realistic expectation for your situation.

Question 4

Do you guarantee a specific score increase?

Accepted Answer

No. ScoreNova does not promise or guarantee score increases, deletions, approvals or financing outcomes. We commit to the quality and diligence of the work, not to a number.

Question 5

Can I dispute items myself?

Accepted Answer

Yes. You have the right to dispute information on your own credit reports at no cost, directly with the credit reporting agencies. Clients hire ScoreNova for the analysis, strategy, documentation and follow-through, not for access to a right they already have.

Question 6

What information do you need from me?

Accepted Answer

During the consultation, only basic contact details and a general sense of your situation. Sensitive documentation is requested later, and only inside the authenticated secure portal, never by ordinary email.

Question 7

Do you work outside Colorado?

Accepted Answer

ScoreNova is based in Colorado and works with clients nationwide. Some program terms and disclosures vary by state and are confirmed before enrollment.

Question 8

When is payment collected?

Accepted Answer

Payment timing is configured by ScoreNova administrators following legal and compliance review, and is confirmed in writing before any charge. Nothing is collected automatically when you submit an application.

Questions worth asking before you hire anyone.