FAQS

•What is Credit Repair?

Credit repair is the process of removing inaccuracies, mistakes, and false information on your credit report. Doing so can result in score improvements, because it is up to the creditor to prove that the item is 100 percent accurate. If the creditor fails to verify the item, the credit reporting agency removes it.

•What items can you help me get removed?

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.

•How long will it take to repair my credit?

The answer is, it depends. Each person’s credit profile and situation is different. There is not a one size fits all approach and we do a great job tailoring a plan specific to you. You should steer clear of advertisements from companies that suggest they have “guaranteed” results in 30 days. Credit “Sweeping” is not credit repair. Those claims are actually a direct violation of the laws that govern Credit Repair Organizations and call to question what else the company may be doing that is unlawful and could harm you as a consumer. The average time for our clients range from 4-9 months but your time could be less or more, depending on your credit profile and goals..

•What Can I expect when I enroll In Credit Education?

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, furnishers 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, money back guarantee system.

•Can you guarantee I will reach a certain point score?

No. It is impossible to know how each of your creditors and the creditors will respond to challenges on your particular report. What we can guarantee is that all negative, incorrect, inconsistent and/or incomplete accounts on your credit report will be challenged based on compliance to all Federal and States laws that protect you as a consumer.

•I pay cash for everything. Do I really need credit repair?

Credit affects every aspect of your life and without a healthy credit file & score, you will face many hardships. Employers, landlords, lenders, insurance companies are now all starting to look into your credit profile to prove responsibility. Bad credit or No credit can lead to denial or extremely high interest rates.