Please visit our home page for details about our plans and pricing. Invest in yourself. Invest in your 'ohana. Let us do the heavy lifting for you. Mālama ola!

You will be given an on-line account page where you can watch progress. This is where the majority of communication will take place. There is a Time Line and Progress Report as well as Credit Analysis component.

Sure! It is your right and responsibility to monitor and protect your own credit. Refer to the federal Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act, for information about challenging information on your credit reports. Kūpaʻa Consulting Services is here if you need kōkua from professionals who work with the bureaus and these requirements every day.

No. Hoping for someone else to make a mistake is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we dispute an item shown on your credit report, we expect a response. All of our submitted challenges are based on your individual factors. We are always learning and improving our strategies to get results for you. Ho'okūpa'a!

We are a local company, based in Hawai‘i who understands our community and their needs. Kūpaʻa Consulting Services has relationships with lenders, realtors, non-profits and others to help clients connect to resources that help you with your credit journey. Our credit enhancement techniques and home buyer readiness assessments are personalized for you and your 'ohana. Serving you, our people, to stay in Hawai'i and thrive! Choose Kūpaʻa Consulting Services to be part of your credit hui!

It depends. While your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score. One of the services we provide is helping clients know which lines of credit to open that will be most impactful, without worrying about getting denied. If you are working towards home ownership goals then definitely work with your lender to determine how applying for new credit may impact this.

Laws like the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Kūpaʻa Consulting Services helps clients tackle their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports. After your acceptance of our Client Agreement terms and conditions, and our initial credit consultation, we create and mail the dispute letters to the bureaus or creditors, on your behalf. We will meet every time your credit refreshes to assess progress, review credit tips and educational items, and then repeat until you graduate from the program. We mail as many rounds of dispute letters as needed until we are done. We work together as your credit hui to build the best credit profile possible.

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting any items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

If they are revolving or installment accounts, paying your bills every month will build your credit history. We will also suggest resources that will aid in building your credit.

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default. Learn more about how to remove charge-offs from your credit report.

Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies.

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Learn everything you need to know about how judgments affect credit.

Kūpaʻa Consulting Services can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed.

There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early. Learn more about how to remove repossessions from your credit report.

There are five circumstances under which you might be able to remove a foreclosure from your report earlier than expected. Learn more about how to remove foreclosures from your credit report.

Kūpaʻa Consulting Services can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request or a pay-for-deletion. Be aware though that you need any promise in writing, because creditors are not obligated to remove any debt from the credit report after it has been paid.

Credit reports can be confusing for the average person. Kūpa'a Consulting Services has prepared the Guide to Reading Your Credit Report.