Frequently Asked Questions
Plus Ultra Recharge – Your Credit. Your Future.
We believe clarity builds confidence.
Here are the most common questions we get about credit repair, credit building, and preparing for homeownership—answered in a simple, transparent way.
Credit Repair
Credit repair is the process of reviewing your credit report and identifying inaccurate, outdated, or unverifiable negative items, then disputing them with the credit bureaus.
At Plus Ultra Recharge, we:
Analyze your credit reports
Identify harmful items
Dispute inaccuracies
Guide you on improving your overall credit profile
Yes—credit repair is completely legal.
Under federal law, you have the right to dispute inaccurate information on your credit report through the Fair Credit Reporting Act (FCRA).
We simply help you navigate that process more effectively.
Every situation is different. Here’s what to expect:
Credit bureaus generally have 30 days to investigate a dispute (up to 45 in some cases)
Most plans run several months, depending on your credit file
Consistency and strategy are key—and that’s where we come in.
No legitimate company can guarantee the removal of all negative items.
However, we focus on removing:
Inaccurate
Outdated
Unverifiable information
And we help you build positive credit at the same time.
If negative items are removed and positive habits are added, your score can improve.
Results vary—but our goal is to position you for maximum improvement and approval readiness.
Credit Building
The fastest way to build credit includes:
Paying all bills on time
Keeping balances low
Adding positive accounts
Avoiding excessive inquiries
We create a personalized plan so you’re not guessing.
Most lenders look for:
580+ for FHA loans (3.5% down)
Conventional loans: Fannie Mae no longer sets a hard minimum score, but many lenders still look for 620+
The higher your score, the better your terms.
Yes—this is called “starting from scratch.”
Options include:
Secured credit cards
Authorized user accounts
Credit-builder loans
We help you choose the fastest and safest route.
The biggest factors are:
Late payments
High credit utilization
Collections and charge-offs
Too many inquiries
Avoiding these is just as important as building credit.
Home Buying & Credit
Yes—it’s possible.
There are loan programs designed for lower credit scores, but improving your credit first can:
Increase approval chances
Lower your interest rate
Save you thousands
Your credit determines:
Approval status
Interest rate
Loan options
Monthly payment
Even a small improvement can make a huge difference financially.
With the right plan, some clients are mortgage-ready in about 90 days—others need more time. After reviewing your credit, we’ll give you an honest timeline.
That’s why we focus on both:
Credit improvement
Mortgage readiness
Plus Ultra Recharge
We don’t just repair credit—we help you build a financial future.
Personalized strategies
Step-by-step guidance
A clear, focused action plan
A team that genuinely cares
Yes—we offer a free credit consultation to:
Review your credit
Identify opportunities
Create a game plan
Not at all.
Most of our clients start with:
Low scores
Negative accounts
Limited knowledge
That’s exactly why we exist.
If you’re committed to the process and follow the plan, we’ll work hard to improve your position. Results vary by individual, and no company can guarantee a specific outcome.
We combine:
Proven strategies
Education
Ongoing support
Questions Most People Forget to Ask
These are the questions that often turn into objections—so we answer them upfront.
Disputing inaccuracies does not hurt your credit. In many cases, it helps.
Yes—but most people:
Don’t know what to look for
Miss opportunities
Make costly mistakes
We help you do it faster and more effectively.
Bad credit can cost you:
Higher interest rates
Larger down payments
Loan denials
Over time, this can add up to thousands of dollars lost.
Now.
Waiting only delays your goals—whether that’s buying a home, getting approved, or improving your finances.