How long does the process take?
Everyone wants you to see results right away. Most people will see progress within the first 45 days of their membership. Obviously, everyone's credit situation is different. Most of your time is spent waiting for the credit bureaus to respond to our requests and we pride ourselves on getting those disputes to the bureaus as fast as possible using our online self help credit program. Your results normally become effective within 60 day, As a reference the average person with 7-10 inaccurate, misleading or obsolete items on each credit report should be prepared for the 6-12 month commitment.
Can it be guaranteed?
By law no one can guarantee that they can have items removed from your credit reports. However, we do not want you to pay for our service if you do not see results. Therefore, we offer a limited warranty on our services. You will receive a portion of your money back if you do not see appropriate progress.
Is this legal?
You are given certain rights under the Fair Credit Reporting Act, including the right to challenge inaccurate, obsolete and misleading items appearing on your credit reports. We offer our expertise and services to help you assert these rights.
Does it matter which state I live in?
No. The credit bureaus are regulated by the Fair Credit Reporting Act which is a federal law. Your rights are the same whether you are in Alaska or Alabama.
Will this raise my credit score?
That is why you are here. Removing inaccurate, misleading or obsolete items from your credit reports may have a very positive impact on your credit score and your ability to get credit. No guarantee can be given by law, but clients who stay with our self help program and adhere to it may see their ability to receive credit enhanced.
Learn more about the credit scoring system >>
Is there anything that can not be removed from a credit report?
No, you may challenge any items that you feel should be challenged and the credit bureau must verify these items. The only exception to this is that they do not have to verify inquiries, but if you feel that an inquiry should not be on your reports then the company that supposedly asked for your credit report can be contacted and that fact may be disputed with them.
How many items do you dispute at one time?
Experience has shown us that disputing too many items at one time can actually slow down the process because the credit bureau may deem your dispute frivolous. Therefore, you should only dispute the number of items in each letter that we deem appropriate for your case (usually 50% of the negative and innacurate items on your credit reports). You want to see good results and need to use good judgment first to challenge as many items as possible without jeopardizing a slowdown of the process.
How will my good credit get restored?
Our program is the most unique and efficient self help, self paced program designed to help you by using your rights under the Fair Credit Reporting Act. The credit bureaus have 30 days to investigate items on your credit reports that are challenged. If they cannot verify the information they are reporting within this time period then they must modify or delete the information. We also correspond with creditors who also must verify information they are reporting about you or refrain from reporting negative information. Through continuous dialogue with both the credit bureaus and your creditors you can help you restore your credit.
Will deleted items reappear?
This is known as the "soft delete". Revisions to the law have made it much more difficult for the credit bureaus to put something on your report after it has already been removed. Does it happen occasionally? Yes. The credit bureaus often make mistakes. We will re-challenge this item with the weight of the previous deletion in our favor.
Should I still be paying my bills?
We would never advise not paying your bills, but that issue is between you and your creditors. We work on what appears on your credit reports and those items contested by you and leave the issue of your current payments up to you.
If I keep paying my bills will that raise my credit score?
Paying your bills on time should do nothing but help your credit score. Clients are trying to buy a home, refinance a home or qualify for new credit. Good payment histories will help you do all of those things. We often tell people that while we work on the past you should be working on the future.
Can I really restore my own credit?
Yes, you can. Our program is designed to inform you of your rights and educate you on the entire credit process. Designed as a self paced, self help program yet members benefit by having experienced, professional help if needed for convenience and benefit.