Frequently Asked Questions

Is credit repair real?

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 through credit repair; 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.

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.

What is your warranty?

Our money-back warranty is easy to understand and is the best in the business. We will refund 100 percent of your money if we do not remove at least 25 percent of the negatives we work on, from all three major credit bureaus, within six months from when you signed up.

In order for the warranty to apply, you must have at least four negatives on the credit report at the time of sign-up, and may not have used a credit repair agency nor attempted to repair his or her credit in the past two years. Unpaid collections and unpaid charge-offs do not qualify for the warranty and are not included. Client must send in updated credit reports from all three credit bureaus within 5 days of receiving them. Updated reports should be received by the client every 15 to 45 days.

How long will it take to raise my score?

93 percent of our clients see FICO score increases in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 60-100 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 percent of negative items 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, inquiries, late payments, old addresses, judgments, tax liens, student loans, merged accounts, and identity theft.

What items you not remove?

None.