FAQs

Yes. Credit repair is legal and according to the Fair Credit Reporting Act (FCRA), consumers have the right to dispute any inaccurate information they find reporting on their credit report with the credit reporting agencies and creditors. 

Credit repair will vary per person and depends on the severity of the derogatory marks reporting on their credit report. This will also depend on several factors: (1) the cooperation of the credit bureaus and/or creditors, (2) the severity of the derogatory marks, and (3) the promptness of receiving the investigation results from our clients. For most credit repair companies, including ours, clients can see improvements within the first 60-90 days. For less severe cases, it could take anywhere from 3-6 months for credit repair and the more severe cases could take anywhere from 6-12 months. 

Contrary to what the major credit bureaus want you to believe, credit repair works in most cases and for most people. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education and from a professional and reputable credit repair company, you could definitely improve your overall credit rating, giving you more options for credit, loans, and employment opportunities. 

With our assistance most of our clients have removed auto repossessions, late payments, collections, charge-offs, student loans showing late payments or in collections, foreclosures, and bankruptcies. 

Through our services, 90% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points.  

We have not personally seen any negative items removed come back on our clients' reports, but in very rare cases, it could happen. Usually, it is a permanent removal from a person's credit report. 

Located on the last page of your free credit analysis, your personalized plan of action will go over what you can do yourself to help in improving your overall credit.