THE PROCESS
Step 1: Credit Analysis
We go over your credit report with you to find negative items that are inaccurate, help you understand the process of credit repair, and prepare a plan of action with you to improve your credit.
Step 2: Dispute
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score using our legal team.
Step 3: Track Progress
Sit back and let us handle the work. You can track your progress every 7 days via Experian and Credit Karma
Step 4: Credit Restoration
We will do our best to maximize your results using our custom tactics on the bureaus so you can restore your credit and achieve your credit goals.
*You will also get a FREE CONSULTATION on how to maintain your awesome credit long after our work together is done.
FAQ'S
Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)
HOW DOES CREDIT REPAIR ACTUALLY WORK?
Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report.Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)
IS CREDIT REPAIR LEGAL?
Yes, credit repair is legal & we 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.
CAN YOU REMOVE ANYTHING FROM MY CREDIT REPORT?
We can only fight to remove any items that fall under the guidelines of the FCRA. These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.
HOW LONG WILL IT TAKE TO RAISE MY CREDIT SCORE?
Through our services, 90% of our clients see their credit score increase in as little as 30 - 60 days
but the best results are seen in 6 months. (May Take Longer Due to Covid-19).
IS THE SERVICE REFUNDABLE?
Unhappy with our service? Give us a call.
We'll refund you in 90 Days if we have not made an Improvement on your credit report.