Explore Answers to Your Common Questions
1. What does SCCWARD Inc. do?
SCCWARD Inc. specializes in credit repair, credit education, and financial empowerment. We use Metro 2 compliance-based strategies to dispute inaccurate items on your credit report and help you build a stronger financial future.
2. What is the Metro 2 method?
Metro 2 is a standardized credit reporting format used by credit bureaus. Our team uses this system to legally and effectively challenge items that may be inaccurate, outdated, or unverifiable—helping to ensure your credit report is fair and compliant.
3. How long does credit repair take?
Credit repair is a process, and timelines can vary depending on the complexity of your report. Most clients begin seeing changes within 30 to 60 days, but full results may take 3 to 6 months or more.
4. Is credit repair legal?
Yes! Credit repair is completely legal. You have the right under the Fair Credit Reporting Act (FCRA) to dispute any information on your credit report that you believe is inaccurate or unfair.
5. What types of items can be removed?
We can dispute a range of items, including:
- Late payments
- Collections
- Charge-offs
- Repossessions
- Inquiries
- Bankruptcies (in some cases)
- Identity theft-related accounts
6. Do I need to provide my credit report?
Yes. We recommend signing up for monitoring through MyFreeScoreNow so you can securely share your credit reports from all three bureaus. This helps us tailor our strategy to your specific needs.
7. Will credit repair increase my credit score?
Removing negative or inaccurate information and building new positive credit can help increase your credit score. While results vary, many of our clients see significant improvements over time.
8. What if I’ve already tried to fix my credit myself?
That’s okay! Our process goes beyond basic disputes. We use industry-standard Metro 2 techniques and provide ongoing guidance to ensure all disputes are done strategically and with full documentation.