Credit Repair involves identifying and disputing inaccuracies, errors, or outdated information on your credit report with the goal of improving your credit score. The process typically involves:
The timeline for credit repair can vary, but you can generally expect to see some results within 3 to 6 months. The credit bureaus are required by law to respond to disputes within 30 to 45 days. However, depending on the complexity and number of issues being disputed, the entire process might take longer.
No one can legally guarantee an improvement in your credit score. Credit repair is about correcting errors, and while removing inaccurate negative items can improve your score, the extent of the improvement depends on various factors, such as the accuracy of your credit report and your overall credit habits. Realistically, you can expect improvements over your 6 months dispute process, but results can vary.
You can challenge and potentially remove:
Yes, we attempt to remove student loans, as these high balances can negatively affect your credit score.
Onboarding to Our Exclusive Credit Repair Program: After we receive your payment and intake form with the correct logins to both portals, credit repair services will begin. The inquiries will be disputed, and the first round will be completed. After the first round, you will receive an email from our team confirming that services have officially begun. Clients may receive a call from a team member to Welcome you to the program, give you information on the program, and answer any questions that you may have.
Each month, you will receive two emails updating you on the progress and the rounds completed until all six rounds are finished.
The timeline can vary, but you can generally expect to see some results within 3 to 6 months. Credit bureaus are required to respond to disputes within 30 to 45 days. The entire process might take longer depending on the complexity and number of issues being disputed.
You will need to provide personal information, documents, and logins to the required portals. This includes your user name, password, security questions, a copy of your ID, and two forms of identity verification, such as a utility bill or bank statement. You will also need to create a CFPB account and provide us with the login and password.
No one can legally guarantee an improvement in your credit score. Credit repair is about correcting errors, and while removing inaccurate negative items can improve your score, results can vary depending on several factors.
You can challenge and potentially remove errors, duplicate accounts, unauthorized accounts, outdated negative items, and inaccurate late payments.
Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) provides consumers the right to dispute inaccurate information on their credit reports.
The cost will vary depending on the specifics of your situation. There are no hidden fees, and payment is structured based on the services provided.
Disputing items generally does not negatively affect your score. However, initiating disputes could temporarily lower your score, especially if new accounts are opened or if disputes are unsuccessful. If disputes are successful, your score should improve.
We identify inaccuracies, send formal dispute letters, and monitor progress. We may also use online dispute methods and ensure follow-up until the disputes are resolved. We take an extra step by filing disputes with the Consumer Financial Protection Bureau (CFPB) on your behalf. This approach aggressively addresses the negative information on your credit report, contributing positively to improving your credit scores.
Yes, you can dispute items on your credit report yourself. The benefits include saving money and having direct control. However, the process can be time-consuming and requires a good understanding of the laws and strategies involved.
You can cancel at any time, but there will not be refunds for services that have already started or been completed.
We have strict confidentiality and security measures in place to protect your data.
We have helped many clients achieve significant credit score improvements. Testimonials and examples of success stories are available.
During the process, your ability to get new credit might be temporarily affected, but long-term improvement should enhance your ability to qualify for new credit.
You will receive regular updates from our service, and you can monitor your credit reports and scores independently. Furthermore, you can login to your CFPB account and see the disputes put in on your behalf as well.
If you're being sued, it's important to address the situation promptly. We have a referral program where we can connect you with legal experts who can help you file a lawsuit against companies that may have violated your rights. Usually, companies that sue are in violation of several laws. By working with a legal expert, you can potentially earn $500.00 per violation in damages. However, you need to request with us to sign up with them for representation.
Important Note: If you choose not to use this service, it’s still essential to attend any scheduled court dates. Ignoring them can lead to a default judgment against you. If you've reached this stage with a creditor, negotiating a small payment plan with the stipulation that they remove the account or report it as paid on time and never late can help. Be sure to include these stipulations to avoid further damage to your credit report.
Yes, we can work to remove late payments. You should inform us of this request in the Notes Section when you submit your intake form. We will fight to achieve this result. However, if the company resists, we may need to remove the entire account to help improve your credit score.
Yes, we attempt to remove student loans, as these high balances can negatively affect your credit score.
Our goal is to fix your credit, and services begin once payments are made. Unfortunately, payments are non-refundable once services have started. However, in emergencies or if a client finds better pricing elsewhere, we can offer a refund. Clients can cancel at any time, but refunds will not be issued for services already rendered. Please speak to a supervisor if you need a refund.
Yes, you can request updates at any time. Simply respond to our email if you have questions or concerns about your credit repair services or you can submit a contact me form on the website on the contact us page.
Inquiries Typically 30-45 Days to See Results
Experian will show First usually within 7-12 Days, Transunion and Equifax after the Credit Report Refreshes.
PLEASE NOTE: if you have an active account of inquiries that we are trying to remove the companies sometimes fight the removal that it why a 2nd round is required
*Inquiries are important to remove when going to apply for funding or credit lines, or credit cards. The systems are AI based and will immediately deny you for having 1-2 inquiries; this is why you want ALL inquiries removed before applying for anything.
*This applies to Hard Inquiries and Soft Pull Inquiries.
6 MONTHS OF CREDIT REPAIR ROUNDS and 6 Months of INQUIRIES REMOVALS:
FULL CREDIT REPAIR SERVICE: When clients get this service it includes disputes for Late Payments, Collection Accounts, Bankruptcy, Student Loans, Missed Payments, Negative Remarks, ANYTHING THAT IS NEGATIVE ON YOUR ACCOUNT PROFILES THAT BRINGS THE SCORES DOWN WILL BE DISPUTED FOR 6 FULL MONTHS. This service also Includes Disputes for Inquiries removal from Experian, Equifax and TransUnion; for 6 Months ALL INQUIRIES ARE DISPUTED MONTHLY ON CLIENT’S BEHALF
WE LOOK FORWARD TO ASSISTING YOU WITH YOUR LONG-TERM CREDIT REPAIR GOALS!!
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