Contrary to what most people believe, credit repair is 100% legal and does work. It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If the item cannot be verified within a reasonable time (usually 30 days) then it must be removed. Even accurate negative items can often be removed or negotiated away. This law is the basis of all credit repair and the foundation of our business.
What can I expect when I enroll?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless.
How long will it take to raise my score?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points.
What is a credit Score?
A credit score is a number generated by mathematical formula that is meant to predict credit worthiness. Credit scores range from 300 to 850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. So basically, having a high credit score can save you thousands of dollars over the life of your mortgage, auto loan, credit card, or business loan.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Do I have the right to know what’s in my credit report?
Of course you do. By law, the agencies must give you a free report annually. However those free report do not contain your score. For credit repair scores we recommend an inexpensive credit repair monitoring service.
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