Frequently Asked Questions
Personal Credit Repair
1. What does personal credit repair include?
Personal credit repair focuses on:
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Removing negative items like late payments, collections, and charge-offs.
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Disputing inaccurate public records, such as judgments or liens.
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Cleaning up outdated personal information (addresses, phone numbers, etc.).
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Rebuilding credit by lowering utilization and adding positive accounts.
2. How long does credit repair take?
It can take little by little, typically around 3 to 6 months. It depends on how complex your credit issues are. In rare cases, it might take longer, but we’ll ensure steady progress.
3. What are public records in personal credit, and how do they impact scores?
Public records like bankruptcies, tax liens, and judgments can harm your credit score. These records can remain on your report for years unless resolved or disputed. We work on verifying and disputing them where possible, step by step.
4. Can you help if I have no credit history?
Yes, we specialize in helping individuals start from scratch. We guide you through opening the right accounts and adding tradelines, little by little, to build your credit profile.
5. What results can I expect?
Clients often see a gradual improvement, with many achieving up to 200+ points over time, depending on their starting point and the actions taken.
Business Credit Setup (Including Public Records for Business Recognition)
6. What does business credit setup include?
Business credit setup ensures your business is properly recognized, little by little. This includes:
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Registering your business entity (LLC, EIN, DUNS number).
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Adding your business to national directories and public records databases.
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Aligning your business profile with lender and vendor requirements.
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Opening vendor accounts that report to business credit bureaus.
7. What are public records for business recognition?
Public records for business recognition include the necessary filings and listings that verify your business. These include:
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Registration with the Secretary of State.
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Listings in directories like Dun & Bradstreet, LexisNexis, and Experian Business.
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Accurate data in industry-specific databases.
8. Why are public records important for businesses?
Public records are important because they help your business gain trust and recognition from lenders, vendors, and partners, step by step. Without them, your business might be flagged as non-existent or high risk.
9. How long does it take to set up business credit?
Business credit setup usually takes about 3 months from scratch. It’s a gradual process, involving registration, vendor accounts, and the reporting of tradelines.
10. Can I start without an existing business?
Yes, we can help you start your business from scratch, little by little, ensuring that everything is in place for credit building and funding.
11. What are vendor accounts, and why are they important?
Vendor accounts are trade lines with suppliers that report to business credit bureaus. They’re essential for building your business credit profile and securing funding, step by step.
Tradelines
12. What are tradelines, and how do they help?
Tradelines are accounts listed on your credit report. Adding tradelines—such as authorized user (AU) or primary tradelines—can:
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Boost your credit score over time.
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Add years of positive payment history.
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Improve your credit utilization ratio, little by little.
13. What is an authorized user (AU) tradeline?
AU tradelines allow you to benefit from someone else’s positive credit history by being added as an authorized user to their account, giving your credit profile a boost over time.
14. What are primary tradelines, and how are they different?
Primary tradelines are accounts that you open and manage yourself. They carry more weight with lenders than AU tradelines, and gradually improve your credit profile.
15. How long does it take for a tradeline to show up on my credit report?
Tradelines usually appear within 30 days after being added, depending on the credit card issuer’s reporting schedule. It’s a gradual addition to your credit profile.
16. Are tradelines permanent?
Tradelines will remain on your credit report as long as the account is active and in good standing, providing long-term benefits for your credit.
Funding Assistance
17. What does funding assistance include?
Funding assistance focuses on securing high-limit funding, little by little, by:
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Securing 0% APR credit cards through credit stacking.
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Applying to lenders pulling from different credit bureaus to maximize approvals.
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Tailoring strategies for personal or business funding needs.
18. What is credit stacking, and how does it work?
Credit stacking involves applying to multiple lenders at once to secure high-limit funding with minimal credit inquiries. This approach can gradually increase your chances of securing funds.
19. How much funding can I expect?
Most clients can expect to secure between $50,000 and $250,000, depending on their credit profile and business setup.
20. How long does it take to secure funding?
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If no credit issues: Funding can be secured in under 30 days.
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If credit repair is needed: It may take 3 to 6 months or longer, depending on the severity of the issues.
21. What is the cost of funding assistance?
You can choose a flat fee of $3,997 or 13% of the approved funding (17% for funding over $150,000).
22. Can I use funding for any purpose?
Yes, the funds can be used for business growth, debt consolidation, or other financial goals, helping you progress little by little toward your objectives.
23. What happens if I’m not approved for funding?
We work diligently to prepare your profile for funding. If additional steps are needed, we’ll guide you through them to ensure success, step by step.
General Questions
24. How do I know which package is right for me?
During your consultation, we’ll assess your needs and recommend the best package based on your goals, helping you move forward little by little.
25. Can I combine personal and business credit services?
Yes, our Ultimate Foundations Bundle combines both services for maximum funding opportunities.
26. Do you offer ongoing support?
Yes, our packages include email, text, and VIP support options to assist you throughout the process.
27. Why should I trust Dareshore?
With over 11 years of experience and a track record of helping 2,100+ clients, we provide proven results and personalized strategies.
Who Can Benefit from Dareshore’s Services?
28. Who are Dareshore’s services intended for?
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Personal Growth Package: Ideal for those who need personal credit repair or want to build their credit from scratch.
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Business Foundations Package: Perfect for those starting a business or establishing business credit.
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Ultimate Foundations Bundle: Best for those needing both personal and business credit services to maximize funding potential.
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Growth Strategy Assistance: Excellent for those ready to secure funding between $50,000 to $250,000.
29. Can someone without a business idea benefit from Dareshore?
Absolutely. We help individuals establish business entities and offer guidance on business ideas, helping them leverage business credit opportunities step by step.
30. Are Dareshore’s services suitable for those with poor credit history?
Yes, we specialize in helping clients restore their credit, guiding them to improve their credit profiles little by little, regardless of past credit challenges.
31. Can established businesses utilize Dareshore’s services?
Certainly. We help established businesses optimize their credit profiles and secure additional funding to support growth, step by step.
32. Is Dareshore beneficial for individuals seeking personal funding?
Yes, we provide personal funding options and credit optimization services to help individuals meet their financial goals, little by little.
The Formula: Mastermind Program
33. What is included in Dareshore’s mastermind program, "The Formula"?
"The Formula" is a comprehensive program that gradually transforms your credit profile and opens doors to personal and business funding. It includes:
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Credit Repair Master Plan: Strategies to improve your credit score, with proven results of increasing scores by 100 to 270 points in 30 to 60 days.
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Business Credit Master Plan: Guidance to secure up to $250,000 in funding.
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Tradeline Reporting Techniques: Effective methods to report aged tradelines within 30 days.
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Exotic Car Rental Guide: Insights on profiting from the exotic car rental market.
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Comprehensive Credit Repair Letters: A collection of letters to help improve your credit score.
34. How does "The Formula" assist in credit restoration?
It offers a fast-track approach to credit restoration, helping you achieve results within 60 to 90 days.
35. Can "The Formula" help in establishing a recession-proof business?
Yes, it includes guidance on mastering debt collection, enabling you to build a business that thrives in any economy.
36. Is "The Formula" suitable for beginners?
Absolutely. It provides step-by-step guidance for individuals at all levels to achieve financial freedom.
37. What kind of support is available in the mastermind program?
Participants receive comprehensive resources, tools, and strategies, along with expert advice to help them navigate their financial journey.
The Formula: Mastermind Program
33. What is included in Dareshore’s mastermind program, "The Formula"?
"The Formula" is a comprehensive program that gradually transforms your credit profile and opens doors to personal and business funding. It includes:
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Credit Repair Master Plan: Strategies to improve your credit score, with proven results of increasing scores by 100 to 270 points in 30 to 60 days.
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Business Credit Master Plan: Guidance to secure up to $250,000 in funding.
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Tradeline Reporting Techniques: Effective methods to report aged tradelines within 30 days.
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Exotic Car Rental Guide: Insights on profiting from the exotic car rental market.
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Comprehensive Credit Repair Letters: A collection of letters to help improve your credit score.
34. How does "The Formula" assist in credit restoration?
It offers a fast-track approach to credit restoration, helping you achieve results within 60 to 90 days.
35. Can "The Formula" help in establishing a recession-proof business?
Yes, it includes guidance on mastering debt collection, enabling you to build a business that thrives in any economy.
36. Is "The Formula" suitable for beginners?
Absolutely. It provides step-by-step guidance for individuals at all levels to achieve financial freedom.
37. What kind of support is available in the mastermind program?
Participants receive comprehensive resources, tools, and strategies, along with expert advice to help them navigate their financial journey.
Additional Insights from Dareshore’s Services
38. What is the "Funding Game Plan"?
It’s a collaborative program that offers credit restoration to secure funding, starting with at least $50,000 in funding.
39. How does Dareshore assist in starting a credit repair business?
We offer a step-by-step guide to launching a credit repair business, from education to marketing strategies.
40. What is the "Reverse Marketing Method" in the tradeline business?
It’s a proprietary strategy to attract clients searching for tradeline services, gradually building your customer base.
41. Does Dareshore offer VIP services?
Yes, we offer VIP services that secure up to $250,000 in 0% interest funding for both new and established businesses.
42. What is the "Credit Mastery" program?
It’s a credit restoration plan designed to transform your credit in 30 to 60 days.
43. How does Dareshore support clients in the exotic car rental market?
We provide guidance on obtaining and profiting from exotic car rentals, a lucrative opportunity for those ready to take action.
44. What are the benefits of Dareshore’s affiliate program?
Our affiliate program offers easy sales processes with attractive commissions.
45. How does Dareshore ensure compliance in credit repair services?
We comply with all applicable laws and regulations in the credit repair industry.
46. What is the "Ultimate Business Credit Master Plan"?
It’s a step-by-step guide included in "The Formula," designed to help clients secure business credit up to $250,000.
47. How does Dareshore assist in reporting aged tradelines?
We provide methods to report aged tradelines in under 30 days.
48. How does Dareshore’s experience benefit clients?
With over 11 years of experience, we’ve helped over 2,100 clients achieve their financial goals.
49. What is Dareshore’s approach to securing 0% interest funding?
We apply strategically to multiple issuers, maximizing approval chances with minimal credit inquiries.
50. How does Dareshore support clients after funding approvals?
Once approved, we guide clients on how to use the funding wisely for growth.
51. Can Dareshore help me build a business from scratch?
Yes, we guide you through the process of setting up your business and credit profile for maximum funding.
52. How do I start with Dareshore?
Simply schedule a consultation, and we’ll create a personalized plan tailored to your financial goals.
Unlock the Power of Credit
Why Credit Matters
Credit is the gateway to opportunity, but without knowing how to leverage it, you might feel stuck. Taking action will unlock those doors.
Personal Credit vs. Business Credit
Business credit operates separately from personal credit. When set up right, both work together to unlock more funding opportunities.
What’s Holding You Back?
It’s usually personal or business credit issues that are keeping you from securing the funding you deserve.
Our Proven Solution
We’ve developed a system that solves these problems, little by little, from credit restoration to building business credit.
How We Work
We start by analyzing your financial situation, then create a custom plan and execute it gradually, addressing each obstacle as we go.
It’s Easier Than You Think
Many credit issues can be fixed faster than you think. With the right steps, you’ll improve your credit profile little by little.
Why Now is the Best Time
Even if you’re not ready to start a business today, building credit now sets you up for success later. We can help you get started with a proven plan.
Our Results Speak for Themselves
We’ve helped over 2,100 clients, and the process works.
What’s Your Timeline?
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Perfect Personal Credit: Funding in under 30 days.
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Excellent Credit, No Business Setup: About 2 months.
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Credit Restoration + Business Credit Setup: 3–7 months.
Ready to Take Action?
Waiting won’t improve your credit or business prospects. Action will. Let us guide you every step of the way.
Industry Support FAQs
53. How can I improve my credit score?
Improving your credit score requires a multi-step approach, including paying down existing debt, disputing inaccurate information on your credit report, adding positive tradelines, and maintaining a low credit utilization ratio. It’s essential to take consistent actions over time.
54. How can I fix my credit after a bankruptcy?
To rebuild your credit after bankruptcy, focus on paying bills on time, reducing debt, adding positive tradelines (such as secured credit cards), and keeping credit utilization low. It may take several years, but you can gradually restore your credit.
55. Can I get a loan with bad credit?
It is possible to get a loan with bad credit, but it’s more challenging. You may need to apply with alternative lenders, offer collateral, or seek higher interest rates. There are also specialized loans for people with poor credit, though they often come with less favorable terms.
56. What’s the difference between a secured and unsecured loan?
A secured loan requires collateral (like a house or car), whereas an unsecured loan does not. Secured loans tend to have lower interest rates because they are less risky for the lender, as they have collateral to fall back on.
57. Can I improve my credit score without using credit cards?
Yes, you can improve your credit score without using credit cards by focusing on paying down existing debt, taking out small loans, or using a credit builder loan. Additionally, adding authorized user tradelines can help improve your credit score.
58. What’s the best way to avoid credit repair scams?
To avoid scams, research any credit repair service thoroughly. Look for companies with positive reviews and a transparent process. Be wary of companies that promise to remove negative items quickly or ask for large upfront payments. Always check for accreditation from agencies like the National Association of Credit Services Organizations (NACSO).
59. What’s the best way to handle debt collectors?
If you’re contacted by a debt collector, first verify that the debt is valid and hasn’t already been paid or settled. You have the right to request verification of the debt, and you can dispute it if needed. It’s important to remain calm and not provide personal information until the debt is validated.
60. What does "re-aging" mean in the credit industry?
Re-aging refers to the process of changing the status of a debt to make it appear newer or less delinquent than it actually is. This can be done when a lender agrees to consider a past due account as current by updating its status. While it may benefit your credit score, it should be done legally and in compliance with applicable regulations.
61. What is the role of a credit repair company in improving my credit score?
Credit repair companies work by identifying and disputing inaccuracies on your credit report, negotiating with creditors, and providing strategies to rebuild your credit. They can help remove negative items, correct errors, and provide advice on improving credit health over time.
62. Can I legally remove negative items from my credit report?
Yes, negative items can be removed legally if they are inaccurate, outdated, or unverifiable. You have the right to dispute these items and request their removal. If the creditor cannot verify the debt, it may be removed from your credit report.
63. What is a “hard inquiry,” and how does it affect my credit score?
A hard inquiry occurs when a lender reviews your credit report as part of a loan or credit card application. It can slightly lower your credit score for a short time. However, multiple inquiries in a short period can have a larger impact, especially when applying for the same type of credit.
64. What is a “soft inquiry,” and does it affect my credit score?
A soft inquiry occurs when your credit is checked for reasons like a background check or pre-approved credit card offers. Unlike hard inquiries, soft inquiries do not impact your credit score.
65. What are the best practices for building business credit?
Building business credit involves registering your business entity, obtaining an EIN, opening accounts with vendors who report to credit bureaus, and making timely payments. It’s also important to keep business and personal finances separate.
66. Can I use my business credit to fund personal expenses?
Business credit should only be used for business expenses. Using business credit for personal expenses can put your business at risk and damage your credit profile. Keep business and personal finances separate for better financial management and legal protection.
67. What are primary and secondary tradelines, and how do they differ?
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Primary Tradelines are accounts you open and manage yourself. They are generally more impactful on your credit score because you are responsible for payments and credit utilization.
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Secondary Tradelines include authorized user accounts, where you are added to another person’s account and benefit from their positive history.
68. What is an authorized user, and how does it affect my credit score?
An authorized user is someone added to another person's credit account (typically a family member or close friend). The primary account holder’s payment history is reported on the authorized user’s credit report, which can improve the authorized user’s credit score if the account is in good standing.
69. Can I add tradelines to my credit report to improve my score?
Yes, adding tradelines can help improve your credit score by increasing your available credit limit and decreasing your credit utilization ratio. Both primary and authorized user tradelines can be used to boost your credit profile.
70. How can I remove negative items from my credit report?
To remove negative items, you need to dispute them with the credit bureaus or work with a credit repair company. If the negative item is inaccurate, outdated, or unverifiable, it must be removed from your report.
71. Is it possible to improve my credit score by adding a tradeline with a high limit?
Yes, adding a tradeline with a high limit can improve your credit score by lowering your overall credit utilization ratio. This reduces the percentage of your available credit that you're using, which is a positive factor in your credit score calculation.
72. What does “credit utilization” mean, and why is it important?
Credit utilization is the ratio of your current credit balances to your available credit limit. Keeping your credit utilization below 30% is ideal for maintaining a healthy credit score. Lower utilization indicates responsible credit management.
73. Can I get a loan if my credit utilization is high?
It may be difficult to secure a loan if your credit utilization is high, as lenders may see it as a sign of financial distress. Reducing your credit utilization by paying down debt or adding new tradelines can improve your chances of getting approved.
74. How does debt consolidation affect my credit score?
Debt consolidation can help improve your credit score by simplifying your payments and reducing your overall debt load. However, it’s important to avoid accumulating new debt during the process. Timely payments and reducing your debt are crucial to a positive impact.
75. What are the risks of using credit repair services?
While credit repair services can be beneficial, it’s important to choose a reputable company. Some companies may make unrealistic promises, charge high fees, or use questionable tactics. Always ensure they comply with legal requirements and have a track record of success.
76. How do credit bureaus report negative items, and how long do they stay?
Negative items are reported by creditors to the credit bureaus, and they typically remain on your credit report for 7 to 10 years, depending on the type of negative item. Bankruptcies, for example, remain for 10 years, while late payments stay for 7 years.
77. Can I use personal credit to fund my business?
Yes, you can use personal credit to fund your business, but it’s not recommended as it can put your personal finances at risk. It’s better to establish business credit to separate your personal and business financials.
78. What is the best way to handle old, unpaid debts?
If the debt is past the statute of limitations, it’s often best to avoid paying it, as doing so can reset the clock on the debt. If it’s still within the statute of limitations, negotiating with the creditor or settling the debt may be an option.
Aged Primary Tradelines FAQs
79. What is an aged primary tradeline?
An aged primary tradeline is a credit account that has been open for several years and has a history of timely payments. These tradelines carry more weight with lenders because of the length of the credit history and the consistent positive payment record.
80. How do aged primary tradelines help improve my credit score?
Aged primary tradelines improve your credit score by boosting the average age of your accounts, reducing your credit utilization ratio, and adding positive payment history. The longer the account has been open and in good standing, the more beneficial it can be for your score.
81. How can I add aged primary tradelines to my credit report?
Aged primary tradelines are typically added by opening credit accounts and maintaining them in good standing for a number of years. Alternatively, you can purchase aged primary tradelines from reputable providers who sell them for credit building purposes.
82. Are aged primary tradelines better than authorized user tradelines?
Yes, aged primary tradelines are generally more impactful than authorized user tradelines. This is because primary tradelines are directly linked to your credit profile and are managed by you, while authorized user tradelines rely on someone else's credit history.
83. Can I buy aged primary tradelines?
Yes, you can purchase aged primary tradelines from companies that specialize in selling them. However, it’s important to choose a reputable source, as not all providers offer legitimate or effective tradelines.
84. How long does it take for an aged primary tradeline to show on my credit report?
Once an aged primary tradeline is added, it typically appears on your credit report within 30 to 60 days, depending on the reporting schedule of the credit card issuer or lender.
85. How can I determine if an aged primary tradeline is a good fit for my credit profile?
Aged primary tradelines should align with your financial goals. Ideally, they should have a low balance relative to the credit limit, a history of on-time payments, and a credit limit that complements your current credit utilization.
86. What is the ideal age of a primary tradeline for improving my credit score?
The ideal age for a primary tradeline is typically 2 to 5 years old. This length of time demonstrates to lenders that you have experience managing credit responsibly, which can help boost your credit score.
87. Will adding aged primary tradelines guarantee an improvement in my credit score?
While adding aged primary tradelines can significantly improve your credit score, it’s not a guarantee. Other factors like credit utilization, payment history, and overall debt management also play a role in your score. It’s important to combine aged tradelines with other credit repair and rebuilding strategies.
88. Can aged primary tradelines help if I have a thin credit file?
Yes, aged primary tradelines can help if you have a thin credit file by increasing the average age of your accounts and adding a positive credit history, which makes it easier for lenders to see you as a responsible borrower.
89. Are aged primary tradelines more expensive than other tradelines?
Aged primary tradelines are typically more expensive than new tradelines or authorized user tradelines due to the long credit history and established payment record. The price depends on the age of the tradeline, the credit limit, and the provider.
90. How many aged primary tradelines should I add to my credit report?
The ideal number of aged primary tradelines to add depends on your credit profile and goals. Generally, adding one or two aged tradelines can make a significant difference, but having a mix of credit types (e.g., credit cards