FREQUENTLY ASKED QUESTIONS

1. WHAT DOES TOP FIRST AMERICA’S FINANCIAL DO?

We provide credit restoration, credit improvement, financial education, business credit, business development, financing preparation, and other financial services designed to help individuals and businesses work toward their financial goals.

2. CAN YOU HELP WITH NEGATIVE INFORMATION ON MY CREDIT REPORT?

We can review and assist with potentially inaccurate, incomplete, outdated, or unverifiable information and help determine what dispute or documentation options may be available.

3. CAN YOU REMOVE EVERYTHING FROM MY CREDIT REPORT?

We can review your credit reports and address qualifying information that may be inaccurate, incomplete, outdated, or unverifiable. However, accurate and verifiable information cannot simply be removed because it is negative.

Results vary based on individual circumstances and the information being reported.

4. HOW LONG DOES CREDIT RESTORATION TAKE?

Credit restoration timelines vary by client and circumstance.

The process may take approximately 2 weeks to 6 months, depending on the number and type of items being addressed, documentation available, responses from reporting agencies or furnishers, and other circumstances.

Some matters may take longer.

5. CAN YOU HELP WITH COLLECTIONS AND CHARGE-OFFS?

Yes. We can review qualifying collection and charge-off accounts and help determine what documentation, dispute, or other options may be appropriate.

6. DO YOU HELP WITH BUSINESS CREDIT?

Yes. Our business services include business formation, structuring, business-credit development, funding preparation, vendor-credit strategies, and other business financial services.

7. CAN YOU HELP ME PREPARE FOR FINANCING?

We can help clients evaluate areas of their credit and financial profile that may affect their readiness for financing and develop strategies based on their goals.

8. DO YOU GUARANTEE A SPECIFIC CREDIT SCORE OR APPROVAL?

No. Credit scores, lending decisions, financing terms, and credit-report outcomes are determined by applicable reporting agencies, furnishers, lenders, creditors, and other third parties.

We do not guarantee a specific credit score, deletion, financing approval, interest rate, or funding amount.

9. CAN I MEET WITH SOMEONE IN PERSON?

Yes. Clients who prefer a hands-on experience can visit our corporate office in Houston, Texas.

10. HOW DO I GET STARTED?

The first step is to contact Top First America’s Financial and schedule a consultation.

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