Frequently Asked Questions

Please visit our pricings page for details about our plans and pricing. We offer individual and couples plans. We offer some of the lowest prices in the industry. The cost of not fixing your credit will cost more than fixing it! 

Yes!  You will be given an on-line client portal where you can watch your  progress. This is where the majority of communication will take place. You will get monthly progress reports and credit analysis tailored to your progress! 

Sure! You can also try to put socks on an octopus as well, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices, act that you can reference for information about challenging information on your credit reports. Ridge Top Credit Solutions is here if you need help from professionals who work with the bureaus and these laws every day! 

 We don't rely solely on disputing tactics! Disputing by itself is outdated and less effective compared to modern credit enhancement techniques. Unlike many credit repair firms that still use generic dispute templates, which are not very successful in removing negative items from a credit report, we employ a more advanced strategy. We contest the reportability of an account by challenging the adherence to METRO2 compliance standards. This approach proves effective not only for accounts with inaccurate information but also for those where the information is accurate but lacks proper METRO2 compliance. 

 If credit is included in your individualized credit building plan, then yes. If it is not, we advise against it. 

Laws like the FCRA and the FDCPA give you the right and responsibility to ensure 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.