Below you will find a list of our most asked questions. Feel free to contact us with any other questions you may have.


Why should I use Philly Credit Divas to help me build/restore my credit?

Credit repair can be a complicated and overwhelming process for most consumers. Most do not have the time, knowledge, patience or experience to tunnel through the massive amounts of red tape of the credit bureaus. As Board Certified Credit Repair Consultants, we have knowledge of the consumer laws and rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collections Act (FDCA) and other laws affecting your credit.


What is Fico? How does it work?

Every time credit is applied for or payments are made on credit cards and loans, a credit history is being built that is logged by the "Big 3", Experien, Equifax and Transunion.


How long before I see results?

The honest-accurate answer is that it depends on several things- Your credit situation, your goals and how much work is needed to reach those goals. Typically, it can take about 3-6 months to see results depending on your credit file.


Will pulling my credit affect my score?

Not at all. Under the consumer credit laws you have the right to access your own credit without it harming your credit score.


Can you remove student loans from my credit report?

No. Student loans are mandated by the government and therefore, can not be removed from your credit file.


Does PCD guarantee any of your services?

The Federal Trade Commission strictly prohibits anyone in our industry from expressing or implying any sort of guarantees. What we can promise is that we will fight diligently using aggressive industry proven strategies to yield the best possible results based on your individual credit situation.


How do I get started?

You can give us a call at 1-866-538-4436 or use the Online Request Form to request a Free Consultation. No matter your choice, a Board Certified Credit Consultant will contact you shortly to discuss your credit repair needs.