Frequently Asked
Is Credit Repair and Management legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Is Credit Repair, Management and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit repair and management services does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (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. For instance, if the creditor makes mistakes or does not adhere to the specific time frame the negative item may be removed.
What can I expect when I enroll for your Credit Repair and Management Services?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
What is your 100% Guarantee?
Our Money Back Guarantee is simple with only two conditions. You are entitled to a 100% refund on all monthly payments if:
1) You have been in the program more than 120 days, but less than 180 days and have not seen any positive results directly attributed to retaining our Credit Repair and Management Services.
2) You must have verification that you have been in compliance with all document submission and client related procedures to maximize our services as outlined in our Client Agreements. (For Example: Clients must send or upload updated reports from the credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
1) You have been in the program more than 120 days, but less than 180 days and have not seen any positive results directly attributed to retaining our Credit Repair and Management Services.
2) You must have verification that you have been in compliance with all document submission and client related procedures to maximize our services as outlined in our Client Agreements. (For Example: Clients must send or upload updated reports from the credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
How long will it take to raise my score?
Every client's credit profile and score is different, therefore results may vary.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than the statute of limitations.
