FAQ

The Credit bureaus insist that individuals cannot repair their credit without waiting 7 to 10 years for negative items to be removed. Don't believe that. The Fair Credit Reporting Act says that if the items on your credit report aren't reported 100% accurate and verifiable by the creditors, the item must be removed from the report. Approximately 82% of all credit reports contain errors and aren't verifiable. If they cant prove it they must remove it!!!! Often times when accounts are closed, charged off or discharged the creditors do not have the supporting evidence to verify the legitimacy of an account within the 30-day timeline there given. Resulting in deletions that will raise your credit score!!

Within 45 days you will get your first set of results from the credit bureaus. We average a 46% deletion ratio on our first cycle. Every cycle after that your credit profile improves.

Every case is unique and some have more extensive reports than others to be worked on. Some cases need more special attention than others and require more time to fix the issues at hand. On average we accomplish full results in 6 months to a year.

A specific score cannot be guaranteed. All clients will see a nice increase in their overall credit health resulting in getting the loans and interest rates you deserve.

At the time of enrollment, you will need to provide us a copy of your credit reports. If you don't have copies of the reports, we can pull them instantly for you. Also, you will need to provide us with a copy of your ID, SS card, Proof of residence (utility bill, phone bill, etc.) Keep a close eye on your junk mail because you will be receiving correspondence from the credit bureaus (Equifax, TransUnion, Experian) on a monthly basis. All these letters have to be forwarded to us ASAP as they are critical to the progress of your case. You will not get desired results without promptly getting us these letters.

After your free credit evaluation, we will determine how and if we can help you benefit from our credit restoration services. We turn away possible clients that are not good candidates for this service. It would be difficult to find a company that would do that.

This sometimes happens either by accident or a creditor has eventually verified a particular item. If this happens, the credit bureau must send you a notification letter within 5 days of reinsertion. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to reinsert an item once it has been removed. Our Expert Credit Repair Service specialist will re-challenge the item if it was added in error.

No company can guarantee results. The law does not allow for companies to guarantee removal of negative information and falls under false claims and deceptive advertising, a clear violation of the Credit Repair Organizations Act (CROA). No one can remove accurate, verifiable and complete information from your credit file. Our past results have been successful in helping clients remove inaccurate, unverifiable and incomplete information from their credit reports, improving their credit profiles

Anyone can do anything in life! It is a complicated, timely and tedious process to restore your credit without the help of a professional. You can build a house on your own, but it won't have the same craftsmanship and quality from using a professional builder. Hiring a pro to restore your credit will ensure fast and accurate results.

Soft inquiries typically occur when a person or company checks your credit report as part of a background check. Examples include employee background checks, getting pre-approved for credit card offers and checking your own credit score. Unlike hard inquiries, a soft inquiry may occur without your permission. However, they won’t affect your credit score. Soft inquiries may or may not be recorded in your credit report, depending on the credit bureau. One of the biggest credit misconceptions is that checking your own credit score using companies like Credit Karma or Privacy Guard will hurt your credit score. This is not the case; you can check your credit scores at Credit Karma as often as you like without affecting your credit score.

Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report.