Frequently Asked Questions Dive into our rich resource of frequently asked questions, where our years of experience help clarify any questions or concerns you have about credit

Clever Consulting Inc specializes in Credit Restoration, Business Consulting, and Business Funding. We employ proven strategies that deliver excellent results.

We use legal and ethical methods to dispute inaccurate, or unverified items on your credit report. If these items can’t be verified as accurate, they must be corrected or deleted.

The timelines are different for each client, but clients often see positive changes in the first 30 to 45 days. The total duration depends on the number of items and complexity of items being disputed.

We will challenge all inaccurate, and unverified items on your credit report, including late payments, charge-offs, collections, bankruptcies, and much more.

Paying debts definitely helps, but it doesn’t erase past negative items. We work on addressing those negatives as well.

Understanding the five main components that make up credit scores can help you make better credit decisions. 1. Payment History makes up 35% of your score, Debt Utilization represents 30% of your score, Age of Credit Accounts contributes 15% of your score, Types of Accounts amount to 10% of your score, and finally New Credit / Inquiries make up 10% of the score. Everything together makes your FICO Score, which can range 300-850.