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.

The true answer is “it varies,” but we’re here to help you get your credit restored legally and ethically in the most efficient way

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.
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.

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.

To answer this question, you must consider how much credit impacts your life. Having excellent credit can save you thousands of dollars on your next car loan and the savings are even greater when considering a mortgage loan. On the other hand, bad credit could prevent you from obtaining insurance coverage, and in some cases gainful employment. This is why we are dedicated to enhancing your credit profile and educating you on how to build and maintain financial stability.

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