Questions we hear on most discovery calls.
If you don't see your question here, it's a fast one to ask directly.
When a lender pulls your credit report to evaluate an application, that hard inquiry can be flagged by the bureau and sold as a "trigger lead" to other lenders and insurers, who then contact you directly — sometimes within minutes of your original application.
No. We don't dispute, alter, or remove accurate information from any credit file, and we don't charge fees tied to changing your credit history. Our retainer covers privacy consulting, corporate credit structuring, file preparation, and capital strategy.
No. We file the available opt-out and suppression requests, which meaningfully reduces unsolicited contact for most clients, but no advisory firm can guarantee a third party's behavior. We won't promise zero solicitation.
Corporate credit is reported under your business's EIN and D-U-N-S number rather than your Social Security number. Built correctly, it lets vendors and lenders evaluate the business's own payment history, which can reduce how often a personal guarantee is required.
No. CreditKraft is an advisory firm, not a lender. We help you prepare a stronger file and compare offers, but approval decisions and final terms are always made by the lender or funder you choose.
You pay a flat consulting fee scoped to your engagement tier and entity complexity, agreed before work begins. The fee is for the advisory work itself — it is never contingent on a credit-file outcome.
Privacy suppression can typically be filed within the first 1–2 weeks. Corporate credit engineering is a longer process — building trade-line history takes months, not days — which is why most Executive and Institutional clients retain us for 12 months or more.