How long will it take to repair my credit?

Each situation is different, but most of our customers see results within 25-60 days.

How does our service work?

We will assist you in obtaining credit records for you from all three credit bureaus;

• Within 1 to 2 business days of our receipt of the Start-Up Payment, we will set up your own Private Client Portal which will allow you to check the progress made in your credit restoration process during the term of this Agreement;

• We will periodically post-credit education materials to your Private Client Portal for your review. We will notify you by e-mail when new educational materials are posted to your Site. We will send these materials to you by US Mail if you do not have an e-mail account.

• We will post all resolved items to your Private Portal

What is our Success Rate?

We help delete over 70% on average inaccurate, outdated or unverifiable items from your credit report.

We have 98% success rate increasing your credit score 40 to 100 points on average on 90 days or less!

Why do I have to prove my identity?

The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proof.

You must send at least two of the following:

• Driver’s License

• Social Security number

• Canceled Check

• Utility Bill

• Pay Stub

• W2 Form

• Lease Agreement

• Bank Statement

Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:

Not paying bills on time

• Filing for bankruptcy or foreclosure

• Applying for too many credit accounts

• Carrying high balances on your credit cards

• Ignoring questionable negative items on your report

How long does this service take?

We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 3 to 6 months. This is just the usual time frame people choose to stay in our program.

How much will my score increase?

No two credit histories are the same. As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new inquiries, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of the hundreds of other things that would change the outcome of your service. That said, with our experience we've seen increases as large as 200+ points.