About Us
Why Us?
A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Do the best thing you can do for your future. Contact us today and let our experience save you time, money, and frustration.
Why Repair Credit?
Your credit score comes from your credit report; it is your spending and repayment report card. Credit reports often aren’t correct, and incorrect information can hurt your score. We make sure the your credit report contains correct information so you’ll have the highest score possible.
How It Works
Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most.
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
Each situation is different, but most of our customers see results within 45-60 days. The repair process can typically take 6 months to a year depending on the number of items disputed.
No two credit histories are the same. That said, depending on the situation, we've seen increases as large as 200+ points.
First, we'll evaluate your credit history and dispute any incorrect findings. Then, we'll prioritize the actions that will improve your credit score the fastest.
Of course. You have a right to a fair, accurate and substantiated credit profile. Credit repair is simply one of the ways to help you get there.
You might think so, but unfortunately it does not. When you pay your old debt, the negative item doesn't disappear, but is typically listed as a paid delinquency, charge off or collection. If your goal is to repair your credit. just paying off your debts wont get you there.
We offer a monthly plan for $99.00 per month for all 3 bureaus.
Anything inaccurate, unfair or unverified can be challenged with the bureaus. This includes collections, late payments, charge offs, liens, bankruptcies ,judgements ,and child support.
Credit repair is a service provided under the CROA act that allows credit repair services to assist consumers with the correction of items on there consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair company that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act.
Yes good accounts are needed in order to have a complete credit file.
No for the best results do not apply for anything while in the credit repair process.
Yes, your personal information is only used for verification purposes, upon completion of the repair your personal information will be deleted.
Yes just as a doctor must have x rays to work, the credit repair specialists must have access to the credit report changes. The price for monitoring is well worth the benefits of improving your credit.
Yes, we do! We offer a 100% Money Back Guarantee. If you do not see an improvement with any of the 3 major bureaus, or we are not able to remove any of the items you hired us to work for you in a period of 150 days(5 months, 5 rounds) customer will receive 100% of the total payments made to us. No strings attached. Just allow our experts 5 months to work on your file .No one in our business can predict a specific outcome or results, but we can assure you that we will do everything legally possible to maximize great results. Our Guarantee gives you the peace of mind you need to get started today.
Your FICO score will be negatively impacted. We only repair past due accounts at the time of credit repair submittal. It is the clients responsibility to keep current accounts in good standing.
Under the Fair Credit Reporting Act (FCRA) the credit reporting agencies must investigate your claims within 30 days. If they fail to respond within the 30-45 day time frame, they must remove the negative item.
No. We do not utilize the police in our repair process.
Continue making on time payments, adding positive tradelines all while keeping reported balances below 30%.
Restoring your credit is like repairing a vehicle or representing yourself in court. It is possible but you have to be willing to learn the process, assume the risk of inexperience and realize that it could potentially take longer with little results as opposed to a professional. However it can be done.
No we do not offer removal service on any account you are still using. We only remove accounts that are no longer being utilized at the start of repair. The reason why is we need you to completely disregard communication with the creditors for the best outcome. Constantly updating the date of last activity will validate creditors to remain on your credit file.
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We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial confidence.
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