Frequently Asked Questions
We understand that securing funding and improving your credit can feel overwhelming, especially when there’s so much conflicting information online. Our goal is to make the process clear, transparent, and stress-free. Below you’ll find answers to the most common questions about our services, timelines, and what you can expect when working with Standing On Credit. If you don’t see your question here, our team is always ready to help.
Understanding Credit & Funding
What services does Standing On Credit provide?
We help entrepreneurs and individuals improve their credit profiles and secure personal and business funding. Our services include credit optimization, startup funding, business credit building, and strategic lender positioning.
How long does the funding process take?
Most funding approvals occur within 7–21 business days, depending on your current credit profile and funding goals.
Do you work with bad credit?
Yes. Many of our clients start with challenged or limited credit profiles. We focus on improving your financial positioning to increase approval potential.
Understanding Credit Repair
What is credit repair?
Credit repair involves fixing poor credit standing that may have deteriorated for a variety of different reasons. Repairing credit standing may involve simple actions like disputing mistakes with credit agencies, dealing with complex issues like identity theft, or addressing financial habits that have contributed to poor credit ratings.
How does credit repair work?
Our credit repair process starts with a thorough review of your credit report from each credit reporting agency. We identify any incorrect, outdated, or unverifiable information. Then, we proceed with disputing inaccuracies directly with creditors and the credit bureaus. This process involves legal rights under the Fair Credit Reporting Act to ensure that your credit report is fair and accurate.
Can credit repair help me even if I have severe credit issues?
Yes, credit repair services can be beneficial for anyone, regardless of the severity of their credit issues. Whether it's late payments, charge-offs, collections, or bankruptcies, we can offer strategies and guidance to help improve your credit score. The key is to address these issues proactively and start the repair process as soon as possible.
About our services
What makes Standing On Credit different?
We don’t offer generic advice or one-size-fits-all solutions. Every client receives a customized strategy designed to strengthen credit, improve approval potential, and secure real funding opportunities. Our process is structured, transparent, and results-driven.
How long does credit improvement take?
Every profile is different, but most clients begin seeing measurable improvements within 30–90 days.
Do I need perfect credit to get funding?
No. Many of our clients begin with average or challenged credit. Our role is to improve your financial positioning so lenders see you as a stronger candidate.
About our services
Can you remove any negative item from my credit report?
We work diligently to dispute any inaccuracies on your credit report. However, if the negative items are accurate and verifiable, they cannot be removed until their set duration expires. Our goal is to ensure your credit report reflects only true and accurate information.
How long does the credit repair process take?
The duration of the credit repair process can vary significantly based on your individual situation. Typically, clients start to see improvements in their credit reports within three to six months, but more complex cases may take longer.
Do you offer ongoing monitoring and credit education as part of your services?
Absolutely! We believe that credit repair is not just about fixing past issues but also about preventing future ones. We offer ongoing credit monitoring and educational resources to help you understand how to manage your credit effectively, recognize potential red flags, and maintain your improved credit standing.
Costs and Payments
How much do you charge for funding services?
We operate on a success-based model for funding.
You pay nothing upfront for funding services.
Our fee is 10% of the total funding you successfully receive. If you don’t get funded, you don’t pay.
When is the funding fee due?
Our fee is only due after you receive funding.
This ensures our clients feel confident moving forward with our services
Do you offer payment plans?
Payment plans may be available depending on the service. Speak with an advisor during your consultation for details.
Costs and Payments
What are the costs associated with your credit repair services?
We offer different service plans tailored to meet various needs and budgets. Our pricing structure is transparent, and there are no hidden fees. Please contact us for detailed information about the costs associated with our services.
Is there a guarantee for your services?
We provide a satisfaction guarantee on our services. If you’re not satisfied with the progress within the first 90 days of your subscription, we offer a refund policy detailed in our service agreement.
Are there any upfront fees for your credit repair services?
We abide by the regulations that prohibit charging upfront fees for credit repair services. You only pay for our services once they are performed, and detailed invoices are provided so you can see exactly what you are paying for.
Safety and Legality
Is Standing On Credit a lender?
No. Standing On Credit is not a lender.
We provide consulting, credit optimization, and funding strategy services designed to help clients improve their financial positioning and connect with potential lending partners.
Are your services legal?
Yes. Our services operate in full compliance with applicable consumer protection and credit laws, including the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).
We focus on disputing inaccurate, outdated, or unverifiable information and providing financial education and strategic guidance.
Do you guarantee funding or credit score increases?
No ethical company can legally guarantee funding approvals or specific credit score increases.
What we provide is a proven strategy and structured process designed to maximize your approval potential.
Results vary based on each client’s unique financial profile.
Safety and Legality
Is credit repair legal?
Absolutely. Credit repair is legal under federal law. You have the right to dispute any information in your credit report that is inaccurate, misleading, or unverifiable. We adhere strictly to these legal guidelines in all our dealings.
How do you protect my personal information?
We take your privacy seriously. We use industry-standard encryption to protect your data and never share your personal information with unauthorized third parties.
What are the risks of credit repair?
The primary risk associated with credit repair involves not understanding the process or having unrealistic expectations about the outcomes. Credit repair is governed by legal standards, and while many issues can be addressed, some items, if accurate and verified, will remain on your credit report. It’s important to work with a reputable credit repair service that operates within the law and provides clear, honest communication about what can and cannot be achieved.
Confused on next steps to your financial freedom
Have more questions? Our dedicated support team is here to help you. Contact us today for more information or to schedule a consultation
At Standing On Credit, our mission is simple — help individuals and entrepreneurs access the funding and credit opportunities they need to move forward with confidence. Whether you’re rebuilding your credit, launching a new venture, or scaling an existing business, we provide the strategy, guidance, and financial connections to help you reach the next level. Your goals deserve the right financial foundation — and we’re here to help you build it.
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