Credit Repair FAQ's

Here are some basics facts and tips on consumer credit repair and why you should look into having it repaired. A consumer credit report is a factual record of your credit activities. It reports all your credit accounts and outstanding loans, the balances on your credit cards and loans, and your bill paying history. Lenders are permitted by credit report laws to check your credit report and review it in order to determine whether or not to grant you credit. Most of the information on your credit report comes directly from the businesses you have accounts or loans with.

Whether you pay your bills or fail to pay your bills, lenders report your credit information - good or bad - to credit reporting agencies. The better your credit is, the lower your interests rates can be. You can save hundreds of dollars a month, and thousands of dollars in the long term. See our Cost of Bad Credit for more information on how good credit can make an immediate impact on your wallet!

Anything can be removed from your credit report including bankruptcies, foreclosures, repossessions, late payments, collections, charge offs, judgments, and more. The FCRA ensures that any item on your credit must be removed if it is found to be inaccurate or cannot be validated. Accurate negative information generally can be reported for seven years.

This seven year period starts from the time you were late or the account went to collections, not from the time you first opened the account. Default information concerning U.S. Tax liens stay on for seven years from the date PAID. You can start to see results within the first 30 to 45 days.

However just as every credit report is different, so do the times vary from case to case. Depending on how many items are being addressed and how serious the problems, it could take several months. Your credit report is maintained by three credit bureaus who are simply private, for profit companies whose sole motivation is to make money by keeping track of and selling your personal financial information.

A survey by the United States Public Interest Research Group found that 70% of the credit reports had serious errors and mistakes. Through the Fair Credit Reporting Act (FCRA), the federal governement has given you the right to repair your credit and no longer be part of that majority. You may be thinking, "I had no problem getting my car loan. 7% interest isn't too high, is it," YES IT IS! You could save thousands of dollars by lowering your interest rate just a few points. You can save even more with home loans. 69,379.20, almost half the original mortgage amount! Have more questions or need help with your bad credit, Its never too late to start turning your credit around.

Let us do the work. Once we establish your needs after a brief consultation, we begin the dispute process immediately. We use our proven and proprietary system to begin the repair process. Any questionable, misleading, outdated, unverifiable, biased, and misleading items on your credit report will be disputed. We will aggressively pursue the credit agencies to resolve these disputes.

Sit back, relax, and let us do all the work. Watch your credit score improve. After we have completed the dispute process, our next step is to begin the repair process. All of the problem areas are actively worked on by our team of experts to resolve. As always, we are available by phone, email, and our online portal 24/7 to take your of any questions or concerns you may have.

Once the repair process is complete you will notice an improved credit score, questionable items removed, and you will be looked at more favorably for all your financing needs. Enjoy your new life! Once your credit issues have been resolved and completed, its time for you to regain your prosperity and achieve your dreams.

Now you have the tools to eliminate debt, avoid bankruptcy, manage your credit, prevent fraud, and receive competitive interest rates on all of your financing needs. Your credit report is the basis of your FICO® score. The report details your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you, by court records and by you.

The FICO score analyzes information from the trade line, inquiry, public record and collection sections of your credit report. A FICO score evaluates five main categories of information in your credit report, and compares this information to the patterns in hundreds of thousands of past credit reports. Payment history — what is your track record, Amounts owed — how much is too much, New credit — are you taking on more debt, Types of credit in use — is it a healthy mix,

Cancellation Policy: Services are provided on a month-to- month basis and clients may cancel their service at any time at least (10) ten days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears. So what is the simplified process of my credit score can be repaired, Each member that joins our company has a unique situation and we will to provide a customized game plan and work with you quickly to achieve your goal.

Check your credit reports via the three government decided credit bureaus to help you identify items that you want to challenge or change. Dispute the items you identified with your creditors and/or the credit bureaus based on your credit report. We will interact directly with these creditors to resolve issues in a direct and timely fashion. Improve your credit score and when the negative items get removed your score will almost indefinitely change for the better and you will no doubt be able to prosper.

Today, businesses and consumers around the world fall victim to the limitations of a poor credit score. From cars and houses to new jobs and business opportunities, a poor credit score can stop you dead in your tracks. This harsh reality often makes promises of “guaranteed” credit repair or “clean” credit reports appear as beacons of hope. And as we’ll discuss later, even business credit repair is getting in the act. Because it’s so vital to financial freedom, credit repair, or the act of removing false, inaccurate or otherwise questionable information from your credit report is a big business.



The increasing importance of our personal and business credit scores has resulted in an abundance of credit repair companies that offer to fix your credit in exchange for a fee. 1. They will request that you send them copies of your credit report from the major credit reporting agencies including Experian, TransUnion and Equifax. 2. Upon receiving the reports, they will review them and identify what items should be disputed.