FAQ'S

IS CREDIT RESTORATION LEGAL?

 Yes, credit restoration is legal and our credit education and document processing services will help you use the law in your favor, That law is called "The Fair Credit Reporting Act" (FCRA). The FCRA gives you the right to dispute any item on your credit report. If the item cannot be verified within a reasonable time (usually 30 days). It must be removed. 

WHAT ITEMS CAN YOU HELP ME REMOVE?

 With our professional assistance and document processing, our partners will be able to remove a multitude of varying negative remarks from their credit, such as: collections, credit card debt, inquiries, late payments, old addresses, judgments, repossessions, medical bills, tax liens, student loans, bankruptcies and foreclosures. 

CAN DISPUTED ITEMS BE PLACED BACK ON MY REPORT?

As long as the item(s) is current or paid at the time of removal or if the collection is outside of the legal time period allotted to remain on your credit, it should not come back. In the rare case it does, we can simply dispute it as it would have been placed back on your credit in error. 

WHY DO RESULTS VARY?

 On average, clients are able to remove 80% of the negative items on their credit report (if not more); however there are some cases where creditors and credit bureaus are correct and have done everything right. In those cases, we do not have a case against them. 

HOW LONG WILL IT TAKE TO RAISE MY CREDIT SCORE?

 In most cases, clients will see results within their first cycle (30-45 days) and will need to continue on a month-to-month basis until they are satisfied with their overall results.

HOW MUCH WILL IT COST ME? 

 Packages vary. Our packages are tailored to fit the needs of all clients. Please review our memberships section for more details. 

IN ADDITION TO STARTING THE CREDIT REPAIR PROCESS, WHAT OTHER INFORMATION CAN YOU OFFER TO ASSIST ME IN RAISING MY SCORE ?

• Pay all of your bills on time! Every. single. time. This includes your utility bills, mortgage, auto-payments, student loans and all your revolving credit; such as credit cards.
• Check your credit report at least once a year.
• Educate yourself on credit and how it works. We can help you understand how to challenge incorrect information on your credit report, as well as teach you the benefits of utilizing credit correctly.