Frequently Asked Questions

Is Credit Repair Legal?

 The Fair Credit Reporting Act gives you the right to dispute any misrepresentation on your credit reports. Consumer reporting agencies are required to correct or delete inaccurate, incomplete or unverifiable information within 30 days of dispute. 

What Is Credit Monitoring?

Credit monitoring is the process of periodically reviewing your credit reports for accuracy. Credit monitoring helps protect you against identity theft and monitoring any changes and/or inquiries made to your credit file.  

When Will I See Results?

Our clients usually see results within 45 days but the credit bureaus have 30 days to process disputes. The repair process can typically take 3-6 months depending on the number of items we need to dispute. 

Can Items Reappear On My Report?

Yes they can. Negative accounts that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means. 

What Is My Credit Score Based On?

35%—Record of both timely and untimely payments. 30%—The amounts and types of outstanding debt. 15%—The time since an account has been opened. 10%—Number of recently opened accounts and recent inquiries. 10%—Number and types of accounts such as credit cards, retail, etc. 

Refund Policy

Money back guarantee if no results in 90 days