Does credit repair work?
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case.
Any one with a credit score below 720 can benefit long-term from the advice and information provided by a professional credit repair service; however, there are times when your own limitations make adhering to this advice impossible.
The two limiting factors are: (1) your financial situation and (2) the time frame in which you need to reach your results.
It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done and by when.
How much does it cost?
For a limited time only, you pay just $295 to set up your account, then you only pay per item corrected. Our service includes the disputing and verification of negative items such as late payments, collections, charge offs, repossessions, bankruptcy, foreclosure, liens, judgments, and inquiries, as well as the validation, deletion and/or settlement of unpaid collections. We also offer assistance and instructions on building a positive credit history.
What can you do that I cannot?
Nothing. We act as your representative due to our knowledge of credit scoring and our experience working with your creditors and the credit bureaus.
I will say that our methods are tested and proven. You can try yourself, but mistakes on your part will make it harder for us to achieve optimal results.
What is your guaranty?
Our performance based warranty is easy to understand and is the best in the business. Other than the initial set up fee, you only pay per item corrected. What could be more fair?
How long will it take to raise my score?
93% of our clients see FICO score increases of 10 points or more in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 50 points.
Why are your results different?
There are two sides to the credit scoring battle. Sometimes your creditors and the bureaus have done absolutely everything right and we have no case against them. On average, we are able to remove 70% of the negative items we challenge from a credit report.
Will the removed items come back?
No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.
What items can you remove?
Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
What items can’t you remove?
None.
Where can I get a copy of my credit report?
By law, all consumers are entitled to a free copy of their credit report once a year. Visit www.annualcreditreport.com to get your FREE copy. (This report does not include your score.)
We recommend using www.MyFICO.com and ordering the FICO credit complete. It has all three scores, which will help track your progress.
