Only $99 a month:
Get your service started today for just $289. You’ll get a welcome call, have your own secure account set up online for you to view, and see your credit reports and scores all within the first week. If you like the service we’ll continuously improve your credit each month for just $79.
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.
Late payments on student loans can be removed, but student loan debt cannot be settled. However, we do offer strategies to help you eliminate or reduce student loan debt.
The broad answer is YES. We’ve had bankruptcies removed before, 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. Our service has been known to remove them with an impressive 46% success rate with past customers.
Yes, foreclosures can be removed. Although they are very difficult, we again take every step possible to do so, and we have helped clients get them removed in the past.
Yes, we can also recommend a great debt negotiation service that can have your collections and other outstanding debts negotiated in most instances by 50%!
Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see results within the first 45-60 days.
We work on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.
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.
Great question! When you enroll in our service, our credit experts begin servicing your credit within 2-3 business days!
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. The “average”, we’ve found, never applies. We’ve seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible.
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 a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We’ll also point out important progress made within your client account which you’ll have online access to.
No. While we are financial experts, we are not a credit counseling agency. We always examine each account to determine the correctness of the reporting, but our program does not provide a remedy for legitimate debt.
Great question! The reason that we don’t offer many other services is because in reality, you can get those services for FREE! For instance, you can sign up for Mint.com and they will monitor your credit and let you know when something fraudulent is going on. You can also use them for budgeting, debt programs, and tools to assist you in other areas.
We are credit experts, and we want to make sure we make our services more affordable than the competition while providing you the best possible service! Every other service that we include is complimentary! Other companies charge you for those services.