E Kipa Mai to the Kūpa'a Client Page

Mahalo nui loa for placing your trust in us. You will receive a text/email update every 30-45 days when a new credit report is available within the Smart Credit monitoring system. You may set up an appointment to check in as well, this is optional. Together, we can pave the pathway to a brighter future for you and your 'ohana! Here are a few things you will want to remember, as well as answers to the most frequently asked questions:

How long will it take to see results?

Great question. Credit repair is a process, and that process takes time and patience as well as maximum effort. Most of our clients will see some changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send. However, there have been a few clients who had very few changes for 4 or 5 months, and then all of the sudden there was a landslide of removals, deletions and updates. Patience and persistence is the key to successful credit repair. Even for the most stubborn negative accounts that took many, many rounds, there has rarely been an account that could not be removed with enough attacks and enough patience. We call this the TMF (Too Much Factor), where over time our challenges cost the bureaus too much money and too much time and we have presented too much evidence, and they will eventually remove the challenged account. But we need your patience in order to reach this point on the most stubborn items. Our advice: Don’t Quit! You will be successful in the long run. Ho'okūpaʻa means to persist, strengthen, fortify - all appropriate characteristics for the credit journey!

How will I see the updates to my credit report?

Every 35-45 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed. These might include pointing out that a credit card balance increased significantly, and advice on what you can do to help us help you.

I can see that negative accounts are being removed, but my score isn’t changing. What’s up with that?

This is totally normal. Depending on the balance of negative and positive accounts, it may take a while to remove enough negative items and add enough positive information to really shift the balance and see that reflected in your score. That doesn’t mean nothing is happening, though. Every reported negativity we remove strengthens your overall credit profile and makes you more attractive to lenders and credit card companies, which is the goal. Here’s a secret though: Your score doesn’t really matter. What matters is the overall makeup of your credit profile. We know PLENTY of people whose scores can be above 725, yet because of their overall profile no one will finance them a dime. But, even if you have a lower score but your overall profile is healthier, you have a better chance of being approved for what you want, which is the only purpose for credit in the first place.

How do I send messages to Kūpaʻa Consulting Services? Can I just send a text?

Please message me anytime through either your Secure Client Portal or by email to rhonda@kupaaconsulting.com. Once I have a free moment in my schedule I will either call you back or respond via email or text.

Can I book an Update Call to have a conversation about my file updates and results?

Hiki nō! The easiest way is to book a call using the button (Book monthly check-in). Please be sure to let us know exactly what you have questions about so that we can help you the best way possible.

I got a notification from an app that something has changed! How can I see what it is?

Due to regulatory restrictions, we can only have access to an updated credit report every 30 days at the earliest. So, if you get a notification from one of your apps that something has changed, been removed or updated, we will not be able to provide any details about it until we are able to pull an updated report at the end of the 30-day period.

When is my payment date?

Your payment date will be on the anniversary date of the day you signed up initially. For example, if your first payment was on the 16th of the month, you will be billed on the 16th of every month. The only exception is: if the 16th falls on a Sunday, the bank that does our payment processing may process your payment on the Saturday before.

What do I do with the letters I receive?

We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal or email it to rhonda@kupaaconsulting.com

What if a creditor calls me on the phone?

Do not give any collection company any information about you, including your name. Simply tell them that you want all communication to be through mail, and that you do not give them permission to contact you on the phone.

Why does CreditKarma keep sending me notifications that my scores keep jumping and dropping?

This is completely normal. During the repair process, challenged items get placed into a Disputed Status that affects the way the information is calculated. In fact, it is common to see a large drop in the first month or two of repair, but again this is normal, and nothing at all to get concerned about. Once the investigations are completed and those accounts are removed, the scores will reflect the correct changes.

Why are my scores different on all my different apps?

Well, that is because you don’t actually have a credit score. You have a Credit Profile which contains all your information. The information on your Credit Profile gets run through an algorithm called a Scoring Model which gives particular values and weights to the information in your profile, which then gets calculated to create your score. There are dozens of different Scoring Models, and they all calculate the information slightly differently, so your score will be different on all of them even though they are calculating the same information. The two main Scoring Models are FICO and Vantage, and there are even several different versions of the FICO and Vantage scores. The main thing to know is that as long as negative items are being removed and you are consistently adding positive information in the form of on-time payments and low balances on your credit cards, your credit will improve.

Can I still apply for credit during the repair process?

It depends. If you are trying to qualify for a mortgage loan, you should consult with your lender first. Kūpaʻa will be part of your home purchase team to help you obtain the best credit profile possible to reach your goal. We will suggest that you open specific credit accounts based on your credit profile. These accounts will be tailored to you, and will plug the holes in your specific credit file and maximize your score.

Kūpaʻa Consulting Services

PO Box 880718

Pukalani, HI 96788

(808) 731-0752

Copyright 2022 Kūpaʻa Consulting Services