Frequently Asked Questions

The credit industry can be a battlefield for those suffering from negative and derogatory credit scores. We are here to help direct you to better credit living by engaging in a number of innovative, financial avenues to improve your credit score.

Our number one priority to our customers is to help them get back their financial life. We do this through constant education on the process of raising your credit score, rebuilding credit, debt settlement when needed, and dealing with debt collectors. We believe that education is the key to restoring your credit.

We want to make sure that you are happy with our services before coming on board with the full program, so will offer you a free credit consultation with no strings attached.

As you know, customer support is very important to any customer. We pride ourselves with the top of the line customer service. If you need anything, you can reach us by phone or by email. If you are contacting us by email, please allow 24 hours for a response.

We believe in complete satisfaction, and that is why we have a no-risk refund policy. If for some reason, you are not happy with the prior months service, we will refund your money back.

​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 that 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 by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Contrary to what credit bureaus want you to believe, credit training 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.

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 to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

You are entitled to a 100% refund on all monthly payments if:
– We do not remove or correct the negatives items worked on.
– You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 30-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

When it comes to dealing with creditors, collectors, and credit bureaus, you need experience in this area to get the best results. We have the expertise that you need to deal with any situation presented by the creditors, collectors, and credit bureaus.

Want to cancel your service? No problem. There is no yearly or monthly contract with our credit repair programs. All services are month to month, and you can cancel at any time. Just call or email us and we will be happy to cancel your service.

We are here to assist you with getting the things you want in life. Navigating the credit repair maze can be very challenging if you are not aware of all the laws that regulate collectors, creditors, and credit bureaus. Our job is to take that heavy burden off your shoulders and do all the work for you so you can get approved again. Have a target audience? Does it have benefits? Then you can and should explain those benefits to your target audience on a page like this.

To get the best results, you have to go beyond the credit bureaus as they are just one piece of the puzzle. The laws allow you to dispute directly with the creditors and the collection agencies to get inaccurate information removed from your credit reports. Because of this, we provide direct disputes with creditors and collectors for no additional charge.

Results can vary from person to person, but 93% of our clients see their credit score increase 25 points or more in the first 35 days. Over the full 180-day term of service, the average credit score increase is 80 points.

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. On average, clients are able to remove 70% of the negative items from a credit report.

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 three years. This holds true except in very rare circumstances.

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.