Credit Karma gauges on what your FICO score “could be.” However, it is a Credit Karma score and not an actual FICO score known by TransUnion as a TransRisk Score. Most banks use only the FICO score solely to analyze the risk of a consumer credit profile. These scores can be purchased at www.myfico.com.

Rarely when accounts are deleted on a credit profile do they come back. Although it is rare and unlikely to happen, there is a Fair Credit Reporting Act provision that can allow the reinsertion of an account after it’s deletion. But, these cases are very rare. We do stand by our warranty on the deleted items we have helped delete. If it were to come back, we’d help in the correction to have it removed again, no questions asked.

The cost associated to your credit restoration is specific to your individual credit file. There is no set rate. Feel free to contact us for a free consultation to discuss the audit of your credit reports.