FAQs

Credit repair involves improving a person's credit worthiness and credit rating by first identifying the negative and inaccurate items affecting their credit scores, challenging these items with the credit reporting agencies, creditors, collectors, and secondary reporting agencies to get these items permanently removed from their credit report, consulting them on how to improve their credit with a plan of action, and in rebuilding their credit to increase their credit scores. 

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. We've seen clients with over 10 collections on their credit report get completely done by six to eight months, while others with fewer than 5 may take about 3 or 4 months. Credit repair will also depend on the cooperation of the credit reporting agencies, creditors, and secondary agencies, as well as the cooperation and prompt results back to us for proper dispute rounds. 

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. 

Click on the Take the Journey Today button on the Home page to begin our credit restoration process, fill out short form to get your 3-bureau credit report and two free credit assessments, free plan of action and consultation to address your assessment reports and credit goals. 

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.