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Frequently Asked Questions
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 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.
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’t you remove?
How much does it cost?
There is a one-time enrollment fee that is processed after your account has been set up in our state of the art client portal. Then you only pay per item deleted.
There is no long term contract. You may cancel future services at anytime.
Our service includes the disputing and verification of negative items such as late payments, collections, charge offs, repossessions, bankruptcy, foreclosure, liens, and judgments, as well as the validation, deletion and/or settlement of unpaid collections.
We also offer assistance and instructions on building a positive credit history and the removal of inquiries at no additional cost.
What is your guaranty?
Our performance based warranty is easy to understand and is the best in the business.
If we fail to remove any errors in the first 90 days, then we'll refund your entire investment. You must provide us with monthly access to credit monitoring and make timely payments to qualify.
What could be more fair?
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 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.
Bobby Pinckney, New York, NY
“When I got my first round of updates all I saw was item deleted, item deleted, item deleted…"
Mike Suarez, Alexandria, VA“My credit score wasn’t that good in the past but it has greatly improved. I just traded in my 2005 Honda Accord which had a high interest rate for a new Acura TL. I’m sure my FICO will go up even further now. Thanks for all your help.”