FAQ — Evergreen Reset Co.

Question 1

How long does credit repair take?

Accepted Answer

Every credit profile is different, but most clients begin to see meaningful changes within 30 to 90 days. More complex situations, such as multiple collections, judgments, or bankruptcies, may take longer. We'll give you a realistic picture of your timeline after reviewing your report.

Question 2

What kinds of items can be disputed?

Accepted Answer

We can dispute inaccurate, outdated, or unverifiable items including late payments, collections, charge-offs, medical debt, hard inquiries, and more. Not every negative item can be removed, but if something shouldn't be there, we'll challenge it.

Question 3

Will credit repair hurt my score?

Accepted Answer

No. The dispute process itself does not negatively impact your credit score. In fact, successfully removing inaccurate negative items typically results in a score increase.

Question 4

Do I need to stop using credit while you work on my file?

Accepted Answer

Not necessarily. We'll advise you on best practices during the process, like avoiding new hard inquiries and keeping utilization low, but you don't need to stop using credit entirely.

Question 5

Can you guarantee results?

Accepted Answer

No reputable credit repair company can legally guarantee specific results. What we can guarantee is that we'll work diligently on your behalf, communicate clearly, and never charge you for work that hasn't been done.

Question 6

Are tradelines legal?

Accepted Answer

Yes. Being added as an authorized user on an established account is a legal and widely used credit strategy. It's been practiced for decades by families and financial professionals alike.

Question 7

How quickly will a tradeline show on my report?

Accepted Answer

Most tradelines report within 30–45 days of being added, depending on the account's billing cycle and which credit bureaus the account reports to.

Question 8

Will tradelines alone fix my credit?

Accepted Answer

Tradelines are a powerful tool, but they work best as part of a broader strategy. We'll help you understand what else may need to be addressed alongside tradeline placement for lasting results.

Question 9

How do I know which tradeline is right for me?

Accepted Answer

We review your credit profile before making any recommendations. The right tradeline depends on your current score, utilization ratio, account age, and goals. We match you based on your specific situation.

Question 10

What do lenders look for when evaluating a business?

Accepted Answer

Most lenders evaluate a combination of factors: time in business, annual revenue, personal and business credit scores, and industry type. We help you understand where you stand and what to strengthen before applying.

Question 11

Do I need good personal credit to get business funding?

Accepted Answer

For many funding types, especially early-stage businesses, personal credit plays a significant role. That's why we often work on personal credit alongside business credit building to open up more options.

Question 12

How long does it take to get funded?

Accepted Answer

It depends on the funding type. Some alternative lenders can fund in as little as 24–72 hours. SBA loans and traditional bank loans typically take several weeks to months. We'll help you understand the timeline for each option.

Question 13

Can a new business qualify for funding?

Accepted Answer

Yes, though options are more limited for businesses under two years old. We can help newer businesses explore startup-friendly funding paths and build the credit foundation needed to qualify for more options over time.

Question 14

How do I get started?

Accepted Answer

Simply reach out by phone or email. We'll schedule a time to review your situation and walk you through what we can do for you. No pressure, no commitment required for the initial conversation.

Question 15

How do you communicate with clients?

Accepted Answer

We keep clients updated throughout the process via phone and email. You'll always know where things stand and what's happening with your file.

Question 16

Do you work with clients outside of Washington State?

Accepted Answer

Yes. While we're based in Washington, we work with clients across the country. Most of our work is done remotely, so location is rarely a barrier.

Question 17

What makes Evergreen Reset Co. different?

Accepted Answer

We take the time to understand your full financial picture before making recommendations. We don't push services you don't need, and we're honest about what's realistic. Our goal is a long-term relationship built on real results.

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