We try to address information about our services as well as helpful information regarding credit.

Is Credit Repair Legal?

Yes, it 100% legal. According to the FTC (Federal Trade Commission) and the FCRA (Fair Credit Reporting Act) a consumer has the right to question and ask for an investigation for every negative item on their credit report.

How long does it take to repair a credit file?

The average credit file takes 3 to 6 months to repair.

How many Credit Bureaus are there and why do I have different credit scores?

There are 3 major Credit Bureaus: Experian, Equifax and Trans Union. All three bureaus act independently and all have their own scoring systems.

What kind of information will I find on my credit report?

Your credit report contains your personal information (name address, date of birth, SS#, etc.); it is made up of your entire credit history, both positive and negative, for the last 7 to 10 years.

What affects my score?

  1. Account Mix: If you have too much of one type of debt this will lower your score.
  2. History: Length of credit history, number of credit card accounts, credit card activity, credit card balances, charge off accounts, late payments, collection accounts, public records, number of inquiries.
    What type of balances should I maintain?
  3. Your credit card balance should be between 20-50% of your credit card limit. (eg: If your credit card limit is $1000, your balance should stay between$200-$500)

What is your 100% Guarantee?

You are entitled to a 100% refund if:

  • You have had six months from the time you retain our services.
  • You have at least four negatives on the credit report at the time of sign-up.
  • You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
  • You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.

(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

What type of balances should I maintain?

Your credit card balance should be between 20-50% of your credit card limit. (eg: If your credit card limit is $1000, your balance should stay between$200-$500)

What are the different types of negative accounts?

Late Payments, Charge off Accounts, Collection Accounts, Public Records (Bankruptcies, Judgments, Tax Liens)
how long does negative information stay on my credit report)

  • Late Payments: 7 years
    Charge off Accounts: 7 years
    Collection Accounts: 7 years
    Public Records: Judgments: 7 years
  • Bankruptcies: 10 years
    Paid Tax Liens: 10-15 years
    Unpaid Tax Liens: Indefinitely
    How are negative items removed?

Negative items are removed by requesting the Credit Bureaus to investigate the creditors and verify the negative information they are reporting according to the guideline s in the FCRA.

What if the negative information belongs to me?

The FCRA states that even if negative information belongs to you, if the information contains any inaccuracies, is not being reported and handled according to the guidelines set by the FCRA or cannot be verified in its entirety, then by law it must be removed. Statistics show that inaccuracies occurs more than 70% of the time in a credit file.