Frequently Asked Questions


Is Credit Repair legal?

Yes, credit repair is legal. The "The Fair Credit Reporting Act" or  F.C.R.A 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 80% of all credit reports contain errors. That's nearly 8 out of 10 reports!

Is Credit Repair worth my time and money?

Contrary to what credit bureaus want you to believe, credit repair 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 accounts that are actually yours. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

What is your Money Back Guarantee?

Our Money Back Guarantee can be seen here.

How long will it take to raise my score?

Through our services, 93% 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. 

Will the removed items come back?

Items cannot come back as long as the item was removed by other means outside of the 30 day time limit the bureaus have to respond to the dispute. In that case, items may come back if the creditor verifies the item after the time limit. No worries, as if the account is still inaccurate or unverifiable in any way, we will continue to work on your behalf until the item is either reported correctly or removed.

What items can you help me to remove and improve?

Our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, child support, tax liens and student loans. There is nothing off limits!

In addition to starting the credit dispute process with you, what can I do to help raise my credit score?

Great question! Your personalized game plan will be discussed with you in great detail during your consultation call. Your enrollment packet will also contain information to further assist you in your credit repair journey.