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Part of our mission at GZR Consulting is to educate and empower individuals about credit. What you don’t know can hurt you—so learning is the first step toward financial confidence.
If your question isn’t answered below, please contact us. We’re always here to help.
Credit consulting provides education, guidance, and personalized strategies to help you understand your credit, address inaccuracies, and strengthen your overall financial profile.
We begin with a full credit scan, outline the steps you can take to improve your credit, and provide ongoing support as you progress.
Each round of investigations typically takes 30–45 days. Timelines vary based on your credit history and responses from the credit bureaus.
No. Credit consultants cannot guarantee the removal of any item or specific score increases. We provide strategies, education, and personalized support to help you work toward improvement.
Yes. All client information is kept private and secure.
You can review details in our Privacy & Terms page.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any inaccurate, unfair, or unverifiable information on your credit report.
As a credit consultant, I guide you through the process of understanding your reports, identifying questionable items, and submitting disputes when appropriate.
We do not remove items — we help you exercise your legal rights to challenge inaccuracies.
Yes, it is possible.
If a creditor later verifies a previously deleted item, the credit bureaus may re-report it.
Under the FCRA, the credit bureau must notify you before re-adding any item that was previously removed.
This situation is uncommon, but it can happen, and it’s important to monitor your credit regularly.
Absolutely — yes.
Keeping your accounts current is essential for protecting your credit while we work together.
Missed payments, new debt, or new negative items can slow down your progress and hurt your overall credit profile.
Credit consulting works best when you:
✔ Pay bills on time
✔ Keep balances low
✔ Avoid taking on new negative accounts
Click the Schedule a Free Consultation button on our website or contact us directly through our “Connect with Us” page.
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