FAQ

How long will it take to repair my credit ?

Our clients usually see results within the first 30-45 days. Results do vary for each person. Most clients stay in the program for 4-6 months.

Is credit repair guaranteed ?

Credit repair can not be guaranteed. Making these guarantees is against the law. Our company is unable to predict the actions of the credit bureaus or creditors. What we can guarantee is supreme customer service, hard work, and improved financial education.

Can deleted items reappear on my credit report?

Yes they can. Negative listings that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means.

Can I do this on my own?

Of course you can. But, there are advantages to having professional help. Credit repair takes time and patience. Knowing how the laws work is also a big plus. In most cases individuals do not posses the time, patience, and complete knowledge to successfully repair their credit themselves. We help you get results.


You also have the option of purchasing our Do-It-Yourself Repair Kit.

Can I cancel anytime?

Yes, there is no requirement for time enrolled in the program. However, refunds will only be issued if requested within 3 days of the drafted payment and no work has been completed. By enrolling in the program you are stating that you understand and agree to these terms regarding payment. If you cancel before your scheduled draft you will not be responsible for any additional fees. 

What types of items can be disputed?

  • Collection Accounts

  • Late Payments (update as well)

  • Tax Liens

  • Inquiries

  • Charge-Offs

  • Judgements

  • Names

  • Addresses

  • and more .....

Is There A Money Back Guarantee?

You are entitled to a 100% refund on all monthly payments if:

 

- We do not remove any negatives worked on.- You have had 120 days (4 consecutive months) from the time that you retain our services.- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.- You have had no new collections or missed payments during the time frame we are assisting you-You have maintained credit monitoring services at all times during the time frame we are assisting you- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.