FAQ

How do I get started?

We offer several great programs our Credit Specialist will be happy give you a free credit analysis and see what program is best for you. They can be contacted at 1-800-653-4028. Also, You can sign up online now for our Self Enroll program. After signing up you will receive an email with instructions on how to obtain your 3- bureau credit report and how to get it to us with your free portal. Once we receive your report We will  go over your credit report  breaking down every account to determine the best course of action to take in order to optimize your credit score and help you attain your goal in the minimum amount of time and then start the dispute process.

How much does it Cost?

We have a lot of different programs we offer depending on your unique situation. Our programs start at 99.00 monthly. Please call our Credit Repair Specialist for more details.Our Services include:

Free Consultations from one of our trained professionals, We help too add trade lines to your credit , Unlimited Credit Bureau Challenges, And a free Web portal where you will be able to log in with your user name and password  and have real time access to see your agreements, notes , dispute history and  results at any time.

We do require a 3-bureau credit report to start. Upon signup we will email you links to access your credit report to send to us.

What Exactly do you do?

We will conduct a detailed and thorough evaluation of your credit file in light of the laws that govern the various creditors in the reporting process. We will identify everything that is questionable, obsolete, and out of compliance. We will then contact all parties and credit bureaus for the purpose of clearing derogatory and unverifiable information on your credit report.

How long before I see results?

You should start seeing results within 30 to 45 days! Our process is extremely fast and efficient. After you sign up, we should have your credit analysis and dispute letters out within a week. The credit bureaus have 30 days to process disputes and they will notify you by mail within the month. On an ongoing basis, you should see results each month you are in the program.

Is Credit Repair Legal?

YES! Because of the Fair Debt Collection Practices Act, the Fair Credit Billing Act, Truth in Lending Act, and other applicable Federal statues, its your legal right to dispute items on your credit report.

 

How do I send you my reports?

After you sign up we will provide you with specific (and easy!) step-by-step instructions for obtaining your credit reports and getting them to us. Please also note that once our process is underway you will be receiving updated credit reports periodically from each bureau reflecting the results of our efforts. We will request that you send us these reports and any other material communication that you receive from the bureaus to us so that we can monitor the results.

When I request my report, does it hurt my scores?

No, when you request your own report via the internet, it doesn’t hurt your credit scores.

How long will it take to complete my credit repair?

While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, each case is different.  The more items we are fighting to remove, the longer it might take.  A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter time frame. Once you sign up we will review your credit report and give you a better assessment of your time frame.

How long does information remain on my report?

Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7 and Chapter 11 bankruptcies are each reported for 10 years, and chapter 13 bankruptcy is reported for 10 years, both measured from the date of the filing.

Do I pay for your credit repair services before or after completion?

After. We charge our credit repair fees only after our dispute work has started, which is all the work and labor that has been done to prepare your credit bureau disputes.

Do you offer a guarantee?

Yes, We are so confident in our work that if we do not improve your credit we will issue a refund. No credit company can make guarantees, But we will maximize our efforts to make sure you reach your credit goals.

Do you share our information with anyone?

Never! Please see our Privacy Policy for all of the details, but in short: We do not, under any circumstances share, sell, or in anyway provide your information to anyone.

Where are your offices located, do you have an office in my area?

Our Corporate office is based in Houston, Texas.  However, our Credit Consultants are available by phone or email enabling us to help clients all over the country without having to have an office in your area.