FAQs

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Credit repair involves the process of improving a person's credit score and credit history by identifying and disputing inaccuracies and errors on credit reports. The goal is to help individuals achieve better creditworthiness. 

Our credit repair process typically involves the following steps: 

• Consultation: We will assess your credit report, analyzer and analysis reports, discuss your credit goals, and answer any questions or concerns you may have within 30 minutes by phone. 
• Dispute inaccuracies: We'll identify inaccuracies or unverifiable information in your credit report and dispute them with the credit bureaus. 
• Follow-up: We'll monitor the results of these disputes and make further efforts if necessary. 
• Education: We'll provide guidance on how to manage your credit going forward. 

The duration of the credit repair process can vary based on individual circumstances. While some clients may see improvements in their credit score within a few weeks, others may take several months to see significant changes. 

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute or contest any inaccurate or unverifiable information found in their credit reports and seek the help of professionals if necessary. 

Common negative items that can potentially be disputed include: 

• Late payments 
• Collections
• Charge-offs
• Auto Repossessions
• Foreclosures
• Bankruptcies
• Inaccurate personal information 

While we cannot guarantee a specific score increase or outcome of the results, our services aim to remove inaccuracies that may be negatively affecting your score, which can lead to an improvement over time. 

Yes, you can dispute the inaccuracies directly with the credit bureau by following the proper procedures. However, hiring a professional can help streamline the process, maximize results, and save you time and effort. 

To begin, you can click on the Get Started Today! button on our Home page to be redirected to fill out a form to receive your 3-bureau credit report with Vantage scores, your free credit analysis report with plan of action and recommendations, and free consultation by phone up to 30 minutes. 

While we strive to achieve the best possible results for our clients, we cannot guarantee specific outcomes or a certain timeline. Credit repair is influenced by various factors, including your unique credit history and the response from the bureaus.

Disputing inaccuracies may result in a temporary dip in your score, particularly if you close old accounts or if certain items are addressed. However, removing negative information typically leads to a long-term improvement. 

No, we cannot remove accurate information. However, we can help ensure that all information reported is accurate and properly verified. 

Absolutely. We take your privacy seriously and comply with all regulations regarding data protection. All personal information is securely stored and used only for the purpose of providing our services. Also, any paper documentation in your paper file with us will also be stored in a secured facility for up to 3 years and then shredded with a mobile shredding company.