FAQ

YOU ARE ENTITLED TO A 100% REFUND ON ALL MONTHLY PAYMENTS IF:  -WE DO NOT REMOVE ANY ACCOUNTS WORKED ON OR THERE HAS BEEN NO CREDIT SCORE INCREASES IN 180 DAYS FROM THE TIME YOU RETAIN OUR SERVICES. YOU HAVE NOT USED A CREDIT COUNSELING AGENCY NOR ATTEMPTED TO REPAIR YOUR CREDIT AT LEAST 2 YEARS PREVIOUS 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 CREDIT BUREAUS & CREDITORS TO US WITHIN 5 DAYS OF RECEIPT. YOU SHOULD RECEIVE UPDATED CREDIT REPORTS EVERY 30-45 DAYS AND MAKE US AWARE IF UPDATED REPORTS HAVE NOT BEEN RECEIVED.

YES, CREDIT REPAIR IS LEGAL AND OUR CREDIT EDUCATION AND DOCUMENT PROCESSING SERVICES WILL HELP YOU 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'S 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 ITEMS GETS REMOVED. SOMETIMES THE FURNISHER WILL SAY IT HAS BEEN VERIFIED BUT NOT OFFER PROOF. IT IS OUR JOB TO PREPARE DOCUMENTS THAT CHALLENGE THIS AND WE ARE VERY SKILLED AT IT.

IN ADDITION TO STARTING THE CREDIT REPAIR PROGRAM WITH YOU, WHAT ELSE CAN I DO TO HELP RAISE MY CREDIT SCORE?

PAY ALL OF YOUR BILLS ON TIME, EVERY TIME. THIS INCLUDES YOUR UTILITY BILLS, MORTGAGE AND AUTO PAYMENTS, AND ALL OF YOUR REVOLVING LINES OF CREDIT LIKE CREDIT CARDS. CHECK YOUR CREDIT REPORT AT LEAST ONCE A YEAR. YOU CAN FIND OUT HOW TO CHALLENGE BAD INFORMATION ON YOUR CREDIT REPORT HERE. NEVER CHARGE MORE THAN 30% OF THE AVAILABLE CREDIT LIMIT ON YOUR CREDIT CARDS. BANKS LIKE TO SEE A NICE RECORD OF ON-TIME PAYMENTS AND SEVERAL CREDIT CARDS THAT ARE NOT MAXED OUT.  IF YOU ARE CARRYING HIGH BALANCES ON YOUR CREDIT CARDS, THEN MAKE PAYING THEM DOWN BELOW 30% A PRIORITY!   DO USE YOUR CREDIT CARDS- MANY PEOPLE WHO MAKE MISTAKES WITH THEIR CREDIT BELIEVE THAT THE BEST WAY TO FIX THINGS IS TO NEVER USE THE CREDIT AGAIN. IF YOU ARE AFRAID THAT YOU CANNOT HANDLE YOUR CREDIT CARDS CORRECTLY THEN THE BEST POLICY IS PROBABLY THIS ONE: RUN ONLY YOUR UTILITY BILLS ON YOUR CREDIT CARDS EACH MONTH, AND THEN PAY THE BALANCE IN FULL BY THE DUE DATE. THIS ENSURES THAT YOUR UTILITY BILLS GETS PAID EVERY MONTH ON TIME AUTOMATICALLY, AND AS LONG AS YOU KEEP THE HABIT OF PAYING OFF YOUR CREDIT CARD BALANCE EACH MONTH YOUR SCORE WILL CONTINUE TO GO UP. LEAVE THE CREDIT CARDS LOCKED IN A SAFE OR DRAWER AT HOME. 

CREDIT REPAIR IS NOT AN OVERNIGHT PROCESS, BUT DONE CORRECTLY, IT CAN POSSIBLY CHANGE YOUR LIFE. THERE IS NO SPECIFIC TIME FRAME.  THE LENGTH OF TIME IT TAKES TO REPAIR YOUR CREDIT DEPENDS ON YOUR INDIVIDUAL CREDIT SITUATION & GOALS. CLIENTS HAVE COMPLETED THE PROGRAM IN 60 DAYS, OTHERS 12 MONTHS. 

THE CREDIT BUREAUS, CREDITORS OR COLLECTORS HAVE 21 DAYS TO INVESTIGATE AFTER THEY RECEIVE THE DISPUTES THAT WE SEND ON YOUR BEHALF. CLIENTS USUALLY SEE RESULTS WITHIN THE FIRST 30-45 DAYS. 

IT IS VERY IMPORTANT THAT YOU ARE BUILDING POSITIVE CREDIT DURING THE CREDIT RESTORATION PROCESS, CONTINUE PAYING ALL YOUR CURRENT BILLS ON TIME & DO NOT APPLY FOR NEW CREDIT UNLESS YOUR CREDIT SPECIALIST ADVISED YOU TO DO SO. 

SERVICES ARE PROVIDED ON A MONTH TO MONTH BASIS AND CLIENTS MAY CANCEL THEIR SERVICE AT ANY TIME AT LEAST (3) DAYS IN ADVANCE OF ANY UPCOMING RECURRING PAYMENT. WHEN CANCELLED ACCORDING TO THESE TERMS, THE UPCOMING RECURRING PAYMENT WILL CONSTITUTE THE FINAL PAYMENT DUE FOR SERVICES RENDERED. ALL SERVICES ARE BILLED IN ARREARS. 

IF YOU HAVE ANY FURTHER QUESTIONS PLEASE FEEL FREE TO CONTACT US BY EMAIL OR PHONE 9AM-5PM MONDAY-WEDNESDAY 8AM-11AM THURSDAY-FRIDAY

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