Frequently asked questions about credit and Aleylin's services

Yes. You may dispute inaccurate information directly with consumer reporting agencies without paying Aleylin or another credit services organization. Aleylin offers education and, for eligible clients, contracted support for people who want additional help.

There is no right to remove negative information that is accurate, current, and verifiable merely because it affects a score. We review each item for a specific, supportable inaccuracy, incompleteness, identity mismatch, date problem, or lack of verification.

No. No action guarantees an account deletion, score increase, approval, rate, or timeline. Effects vary by scoring model, bureau data, lender criteria, and the individual file.

It should identify a particular account and a specific problem, such as an incorrectly reported balance, date, status, identity, or payment history, and should include relevant evidence when available. We do not recommend disputing everything, submitting false information, or using false identity-theft statements.

No. A consumer reporting agency generally must conduct a reasonable reinvestigation of a non-frivolous dispute, normally within 30 days and in some circumstances up to 45. Correction or deletion depends on whether information is inaccurate, incomplete, or cannot be verified after reinvestigation; it is not automatic merely because time passed.

Initial File Work is offered under a separate written agreement with a fixed total price of $500. If additional work is appropriate and you choose to continue, each later round requires a new written agreement with its own defined scope and fixed total price of $300. Monitoring is paid separately to the provider and is never part of those totals: it is optional for free education, and required for Done-For-You through an eligible MyFreeScoreNow plan on a prepaid term (quarterly $80.97, half-yearly $152.95, or annual $287.90).

The initial agreement may include a three-bureau audit, document review, personalized plan, file preparation, supportable initial actions when appropriate, and a written summary. Your agreement states the exact scope, estimated timing, and fixed $500 total.

It is additional work offered only when appropriate and authorized only if you choose to continue. It requires a new written agreement with a defined scope, estimated timing, and fixed $300 total. An invoice may be issued only after that round is fully performed and documented and any additional waiting period or documentation condition applicable to payment is satisfied. A round does not promise a dispute, deletion, or result, and is not opened merely to create a bill.

No DFY payment is collected when you sign or enroll. Work begins only after the applicable cancellation period ends. Aleylin may issue an invoice only after the applicable agreement’s full scope is performed and documented and any additional condition applicable to payment is satisfied. The portal is used to pay an issued invoice; it does not authorize automatic monthly charges.

No later round is required. You do not purchase future rounds in advance — each one requires its own new written agreement, offered only if additional work is appropriate. There is no automatic continuation or monthly billing. Each agreement states its own scope, estimated timing, and fixed total; no completion date or final credit condition is guaranteed.

Not for free education or to submit a general question — you do not need to buy anything there, and if you only want to see your reports you can request them free at AnnualCreditReport.com. Done-For-You support does require maintaining an active MyFreeScoreNow three-bureau monitoring plan on a prepaid term (quarterly $80.97, half-yearly $152.95, or annual $287.90), because we review your file using updated three-bureau information. Aleylin may earn an affiliate commission if you enroll through our link, at no additional cost to you. See how that requirement works.

Yes, for Done-For-You service. MyFreeScoreNow is the three-bureau monitoring platform Aleylin currently requires and uses for ongoing file review: it gives us updated information in a consistent format so we can compare bureau responses and determine whether additional work is appropriate. MFSN is a separate company, bills you directly, and Aleylin may earn an affiliate commission at no additional cost to you. For free education you do not need to buy anything. Educational scores may differ from scores used by a lender.

There is no charge to submit a request. To perform a complete educational review we work from a current MyFreeScoreNow three-bureau report. It is the platform we use, so it is what we ask for on any review we run ourselves. (To read your reports on your own you need none of that — you can request them free at AnnualCreditReport.com.) If you choose MyFreeScoreNow through our link, MFSN charges its own price and Aleylin may earn a commission, at no additional cost to you.

Not necessarily. Comparing all three reports can provide a more complete view, and alerts may help identify reported changes, but monitoring may not explain every score change. Scoring models also vary.

No. Calls are limited to general education and factual intake. Aleylin does not use calls to induce a DFY purchase, recommend enrollment, obtain an agreement or payment authorization, or close a sale. Any request, offer, decision, signature, and payment step occurs later through a separate written process the consumer can review.

Before each paid agreement, you receive required disclosures as a separate document and a written contract. You may cancel that agreement without penalty or obligation at any time before midnight of the third business day after the date you sign it. No service begins before that period ends. The contract provides the required statement by the signature, two copies of the Notice of Cancellation, and copies of signed documents at signing. Website content does not replace those documents.

Free bilingual education and resources are available nationwide. DFY is available only after reviewing the client's state of residence and only where Aleylin has completed applicable requirements. Submitting a form does not guarantee acceptance.

No. Aleylin Solutions is not a law firm and does not provide legal advice. Limited authorization for credit communications does not create an attorney-client relationship. Legal questions should be directed to a licensed attorney.

Some issuers and providers accept the valid IRS-issued ITIN of a person who is not eligible for an SSN. Acceptance, reporting, and approval depend on the provider and the complete profile. Never use a CPN, EIN, another person's ITIN, or a new identity to conceal accurate history.

Some lenders and dealers finance vehicles for borrowers using a valid ITIN, and many do not. Approval, interest rate, and down payment depend on that lender’s own guidelines and your complete profile — income, employment, existing debt, and credit history. Ask each lender directly what identification it accepts before you apply. Be careful with anyone who suggests the number on the application matters more than the file behind it.

Some issuers open accounts with a valid ITIN, many do not, and it can vary between products at the same bank. Secured cards and credit-builder products are often more widely available than unsecured cards. Ask the issuer what it accepts before applying — a declined application can still leave a hard inquiry on your reports.

There is no fixed number. The effect varies by scoring model and credit file and is often modest. An inquiry may remain visible for up to two years. Rate-shopping treatment and time windows also vary by model.

No. The nationwide bureaus have adopted voluntary policies affecting certain medical collections, but those policies can change and do not mean every medical debt is illegal to report. The current policy and the accuracy of the specific account should be reviewed.