Frequently asked questions
How long does it take?
You can expect to see results in at least 30-45 days, with it taking up to 90 days in some cases.
How much will cost?
You will need to pay a credit analysis fee of $129 in the beginning. During this process, we will give you a detailed report that explains what is lowering your credit score, and what can be done to increase the score. If you decide you like the direction outlined, then the fee becomes $99 per month. You are not obligated to sign up, and you can cancel your service at any time. You are not charged a fee until work is performed.
How will you get my report?
There are a few different ways we can do this. You can sign up for something like Privacyguard.com, which is a service that gives you access to all of your credit reports. You give us the login information, and we take it from there. Another option is for you to mail us hard copies of your report. You can also upload them to an online and send them to us that way.
Who will you share my info with?
Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process.
How much will my credit increase?
It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s.
Can bankruptcies be removed from my credit report?
The broad answer is YES, but we generally tell our clients they shouldn’t expect their bankruptcy to be removed. Bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old.
Can you remove inquiries from my credit report?
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. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last because we focus on the more critical items affecting your credit to begin with.
How can bad credit be repaired legally?
Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) — to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted.
Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned.
Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.