FAQ

What is a credit report?

A credit report is a track record of your personal and financial credit condition.  It includes details taken from public records, personal identification and debt information.


How many are there?

There are three major credit bureaus: Equifax, TransUnion and Experian


Are all three important?

Each one of the three major credit bureaus will reflect at least 1/3 of your total credit history.  Some companies look at one bureau and others look at all three when making a credit decision.  It is very important that all three bureaus are in good condition.


How long does it take to repair my credit?

Our service typically takes 3-6 months to work.  Credit Repair is a process and we can only move at the credit reporting agencies, court houses and creditors pace.


What items can be removed?

It is possible to remove almost any derogatory from a credit report.  Here is a list of some:

Late Payments
Charge Offs
Foreclosures
Judgements
Repossessions
Closed Accounts
Negative Settlements
Bankruptcies
Liens
Collections

I just enrolled, what happens now?

It is important to note that credit repair is typically a six month process.  Approximately two months from the time you enrolled you will receive letters and updated credit reports from the credit bureaus (TransUnion, Equifax & Experian).  When you receive correspondence simply put it in an envelope and drop it in the mail to us so we can continue to work for you repairing your credit.  After that, just continue to send us updates as you receive them.


How does your company remove negative items legally?

Disputing your credit report is your right according the the Fair Credit Reporting Act.  Credit repair is a completely legal and necessary service.  We hold the credit reporting agencies and creditors accountable.  It's as simple as that.


How will I know it's working?

Every time you receive updated credit reports throughout the process you will see items that have been changed, updated or removed.  If an item is changed or updated, it generally means that there was negative information associated with that account that has been removed.  If an account was removed completely, it means that the items a negative listing against you.  Usually these items are collections, charge offs, foreclosures and so forth.  Every report you receive as a result of our efforts means your credit is improving and your score is increasing!


How does your money back guarantee work?

If you are not satisfied after six (6) months or three (3) dispute cycles (whichever occurs first) then you may receive a refund of money paid. There will be a $225.00 processing fee deducted from money paid and $150.00 deducted for each account removed or corrected per credit reporting agency during the time you were involved in the credit repair process.