Why do you require a consultation before I enroll? Can you tell me what credit repair actually is? Why is the Key Credit Logo a house? How long before I hear back from the credit agencies? What is a debt validation? Do medical bills hurt my credit score? How can I access my fico score? Why are my fico scores different from the credit scores I found online? Is defaulting on debt criminal? How can I build a credit profile if I’m new to the united states? How people new to US can build credit profile?