Frequently Asked Questions

Is this legal?

YES! We are 100% legal, ethical, and moral. We are consumer advocates and this organization was started to help people like you. We pride ourselves on having zero complaints and zero lawsuits.

Do you need a copy of my credit report?

NO! Unlike our competitors, we do all the work for you.  We only work with original reports because they are the most accurate.  They also have hidden codes in those reports that we need in order to expedite the process.  Therefore, in order to provide you with the highest level of service, we do all the work.

This seems too good to be true, how do you get everything off?

Our first step is to audit the credit bureaus and creditors using The Fair Credit Reporting Act and The Fair Debt Collection Practices Act. We also use Strict Verification By-Laws where we Hand Write letters to the credit bureaus and creditors and also some of the letters have to be Typed, but more importantly some of those letters have to be sent to addresses that are not even published. Then we utilize Unpublished Guidelines, Regulations and our Expertise and Insider Know How that no other law firm or credit repair company has access to.

Will anything go back on my credit report after you remove it, I've heard that credit repair companies get things off and then a few months later the items can just come back on?

NO! The methods that we use are different from all of our competitors. Any other credit repair company or law firm only sends out dispute letters which is something that you, the consumer can do for free. The problem with dispute letters is they seldom have any effective and if they get lucky and get something removed then 9 times out of 10 it will show back up on your credit report within 30-60 days. That’s why we use our proprietary methods so that our program is a permanent removal.

How long does this process take?

It is against the law to guarantee the time it takes to repair credit.  However, it’s also against the law to not state an “average” time that it will take.  Our “Average” time frame to completely clean all 3 credit reports is 6-9 months.  Some take longer and some get done very quickly.  We have hundreds of files every month that are completed within 30-45 days but those results are not typical.

How much will my credit scores go up or will they go up at all?

It is against the law to promise or guarantee a credit score increase so we are very careful on answering this question. That is why the only service we promise and guarantee is the removal of your negative and derogatory items.  However, even though we don’t and can’t promise a credit score increase, we do have files everyday that show increases anywhere from 50 points all the way to 300 points and higher.  All positive and “Good Standing” items will remain on your credit file.

What's some of the advantages to having good credit?

Listed are just a few advantages of having good credit.  This entire country is going to nothing but credit.  What does this mean to you?  Very soon, in order to get anything you are going to need good credit.  It has gotten so serious at this point that people are actually losing their jobs that they have had for 20 years just because their credit is bad.  If you work for the government you must maintain a good credit rating or you will get fired.

In a recent survey it was said that “consumers with a bad credit score vs. consumers with a good credit score will end up paying over $12,000.00 more per year in interest”

• Loans/Credit:

Probably the biggest advantage that comes from having a good credit score is being able to get approved for credit and or loans and get lower interest rates and or payments. Also sometimes those loans/credit can help you consolidate your debt and give you the chance to break the "bad cycle” and get ahead. Having good credit can also help you get a job, a car, a house or rent an apartment.

• Less Documentation, Less Hassle:

Another big advantage to having a good credit score is you are more likely to qualify for a loan where you don't have to document your income and assets as much. These loans are known as “no” or “low doc loans”.

• The Ability to Shop Around:

As a result of your good credit score, the more freedom you have to shop around for loans and for lenders. You can shop around for more types of loans since you qualify for more. You don't have to go with the first one you find. It's better to shop around for the loan that best suits your financial goals and your individual situation.

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