Frequently asked questions
Why is credit repair important?
Credit can make or brake you. When you have bad credit it can cause hardships in certain areas of your life.Companies who provide personal loans, car loans, mortgages, rental properties, insurance, and even employers look at your credit history to make decisions.
Do I have only one credit report?
NO. There are three major credit bureaus Equifax, Experian, and Transunion.
How do I get started?
You can sign up online or call us at 866-373-1377. You will be connected to an experienced credit consultant who will assist you. It is recommended that you have your three bureau report ready in order to expedite the process. (See How It Works tab to see a list of sites where you can obtain your three bureau report) If you are unable to obtain your three bureau report a credit consultant will be able to assist you.
How do I get my credit report to you?
After obtaining your reports online. All you need to do is provide us with your login information and we will access your report and review it with you.
What is the cost?
There is a one-time initial fee of $189.00 to get started. Your first monthly fee of $79.00 is charged 30 days from your start date and will continue at a maximum of 10 months. If the client wishes to continue with services after the 10th month the monthly fee is discounted to only $49.00 per month.
How Long Does It Take?
No credit repair company can promise a particular result within a certain time frame since every case and credit report is different. Be weary of companies who promise to Clean credit in 30 days, 60 days, and 90 days. It is illegal for credit repair companies to guarantee any time frame. Repairing credit is not an overnight process, it takes time patience and determination.
Is this legal?
Yes this is legal. There are laws that have been enacted specifically the Fair Credit Reporting Act (FCRA) that gives you certain rights as a consumer. We utilize these laws along with our methods to achieve the best possible outcome.
When will I see results?
The day you sign up is the day we begin working on your file. You should see your first round of results within 45 days of your start date. As long as you are enrolled in our services you should see results each month. (Click Here to see some of our past client results)
Will I have one person assigned to me?
Although we will have a team of highly trained individuals working on your file you will be assigned a specific credit consultant to speak with regarding your file.
Can I use your services If I am out of state?
Yes. We will email or fax you the necessary documents for you to enroll in services.