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Frequently Asked Questions

What is a credit report?

A credit report is a track record of both your personal and financial credit information. Which includes information taken from public records, personal identification and debt information.
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How many are there?

There are 3 major credit bureaus: Equifax, Transunion, and Experian
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Are all 3 important?

Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, some one can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file. That's why it is extremely important to use a credit repair service that repairs not one, but all three of your bureaus. (Including CSC)
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How long does it take to repair my credit?

As we mention in your welcome call each situation is different. We generally tell all of our clients that they can expect anywhere from 3 months to see a noticeable difference, to 6 months to complete the service. Credit repair is a process and although we work quickly to repair your credit we can only move at the credit reporting agencies, court houses, and creditors' pace.
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I just signed up, what happens now?

Within 3 to 5 business days from the time you sign up, we will obtain a copy of your three credit reports (which is already included in our fee for no additional charge). Our specialists will begin working with the credit bureaus toward removing the negative items from them.

Please understand that credit repair is a 6 month process depending on your situation. Approximately 30 days from the time you sign up you will receive a new, updated copy of your credit reports from the credit bureaus (TransUnion, Equifax & Experian). When you receive all three of your updated credit reports, just slip them into an envelope and mail them to us so we can continue to work for you toward repairing your credit. All you have to do is continue to send the updated copies of your reports as you receive them. If you have access to a fax machine you may also send your files to us via fax as well. Many companies do not allow you to fax your reports, however, we believe in keeping the process as simple as possible for you. If it is more convenient, you may fax your updated reports to us as your receive them throughout your entire service, 24hrs a day! (See "contact" on our home page for where to send your reports)
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Does paying off my bills repair my credit?

Unfortunately, the credit reporting system just doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won't get much further by paying the old debt. We can recommend a debt negotiation service to help you in that situation...simply ask your representative.
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Who can see my credit reports?

Our credit service specialists are the only ones who will see your credit reports.
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How do you restore bad credit?

Once we have your credit reports, we dispute the credit reporting agencies on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time is removed.

Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it's actually not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another. Making it a very time consuming and frustrating task.

After we dispute your negative credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you'll send us the updated version of your credit report, so we can continue disputing the remaining negative items.Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative item is removed.
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How Does Your Company Do this Legally?

Disputing your credit report is your right according to the Fair Credit Reporting Act and FACT act. Credit repair is a completely legal and necessary service. We hold the credit reporting agencies accountable. Simple as that.
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Can late payments be removed?

Yes, our methods of disputing have proven to remove any type of late payment whether it is 30,60,90,or 120 days late.
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Can collections be removed?

Yes, we also can recommend a great debt negotiation service that can have your collections and other outstanding debts negotiated in most instances by 50%!
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Can repossessions be removed?

Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won't take.
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Can foreclosures be removed?

Yes, Foreclosures can be removed. Although they are very difficult, we again take every step possible to do so.
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Can bankruptcies be removed?

We generally tell our clients they shouldn't expect their bankruptcy to be removed. Simply because, bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old. Our service has been known to remove them with an impressive 35% success rate. Knowing what to do after you have filed for bankruptcy however is more important. Ask your representative for details. Our advice is if you have a bankruptcy on your credit record, you still will benefit greatly from our service due to the removal of so many other negative items on your report. However, please understand there is no way to guarantee the removal of such a serious public record—no one can. Any company or individual who promises to remove your bankruptcy (assuming it is recent and has not legally expired) is not being honest with you. We understand and practice every legal method possible—and we know credit repair.
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Can student loans be removed?

Late payments on student loans can be removed, although student loan debt can not be settled.
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Can inquiries be removed?

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed.
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What items can be removed?

A better question would most likely be "what item cannot be removed". We can remove everything you can imagine, here is a list of some:

  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgements
  • Repossessions
  • Personal Identification changed or corrected
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Collection

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How much does your service cost?

$400 per person, and $600 per couple.
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How does your guarantee work?

It's a simple "satisfaction guarantee". You really don't see that kind of confidence from most credit repair companies. If you are not satisfied with the service, you are entitled to a full refund. However, we do ask that if you are not satisfied you bring this matter to our attention so that we can attempt to resolve your concerns. Simply put, we are a fair and honest company. You will receive the service you pay for, if you do not, all we ask is a fair opportunity to satisfy you. We will not tolerate any client trying to take advantage of our good faith guarantee by trying to receive a "free" service.
We in return will always provide our clients with the highest level of results possible. We do not consider one or two items corrected the "highest level of results possible" either, unless those are the only two negative items within your entire credit history. We are one of the most aggressive companies out there, we will do everything possible to provide you with the greatest improvement to your credit reports. We have no challenge offering a full refund if we were not able to help you.Keep in mind however, no one can promise or guarantee the removal of any specific item on your reports within a given time frame. No one. The methods, techniques, loop holes, used to repair your credit simply do not allow for such a bold statement. Any reputable credit repair company will tell you the same. If they don't, then they are more interested in your money rather than their own integrity. The only approach a legitimate company can make is to exhaust every legal angle, loop hole, and gray area possible. This is how credit repair works.
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How will I know it works?

Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that there was negative information associated with that account (such as a late history) that has now been removed. If an account was removed all together from your credit report, it means that the item was a negative listing against you. Usually these items are collections, chargeoffs, foreclosures, etc. Every report you receive as a results of our efforts means your credit is improving and your score is increasing!
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