Frequently asked questions
Everything you need to know — and if it's not here, just call us.
Credit Repair
How long does credit repair take?+
Most clients see meaningful changes within 30-90 days. Full restoration typically takes 3-6 months.
Will disputing items hurt my credit?+
No. Disputing inaccurate items does not negatively impact your credit score.
Can you guarantee a specific score increase?+
By law, no credit repair company can guarantee specific results — but we guarantee a transparent, professional process.
Do I need to cancel old accounts?+
Not usually. Closing accounts can hurt your utilization ratio. Your advisor will give you a personalized recommendation.
Business Funding
How fast can I get funded?+
Most approved clients receive funds in 24-48 hours after final approval.
Will applying impact my credit?+
Our pre-qualification is a soft pull and will not impact your credit score.
What credit score do I need?+
Programs start around a 600 personal score. Top 0% programs typically require 700+.
Do you fund startups?+
Yes — startup and working-capital programs exist for businesses under 6 months old, typically supported by personal credit.
Are there application or upfront fees?+
No. There is no cost to apply or to receive offers. You only pay when you accept funding, and only as outlined in your loan documents.
Working with Xcellant
How is Xcellant different from a bank?+
Banks offer their products. We shop 300+ lenders to find the best terms for you, then negotiate on your behalf.
Is my information secure?+
Yes. We use industry-standard encryption and never share your data without your consent.
Can I do both credit repair and funding?+
Absolutely. Many clients start with credit repair to qualify for stronger funding terms within 3-6 months.
Still have questions?
Talk to a real advisor — no scripts, no pressure.