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Frequently Asked Question
- How long will it take for me to see results?
Approximately 45 days. After the 2nd and 3rd set of disputes, you should see even more.
- Will pulling my credit through your company affect my credit score?
No. We pull your credit report acting as you under a limited power of attorney. This is a self generated inquiry and it does not affect your score. Only a third party pulling your reports affects your score.
- Is there any type of guarantee that you will give me in raising my credit score?
On average 40-60% of negative items get removed. We are regulated by the FTC, and by law, any credit repair company cannot give you a guarantee. This process you can do on your own and we have no control of what the bureaus will remove or not remove. We play a numbers game and by disputing the negative information on your credit report, a percentage comes off.
- Why should I use you and not do this on my own?
You can do this on your own, however, most people get confused trying to read the reports and do not understand how to dispute the information. It can be extremely time consuming. That is where we step in. We will work diligently to help you get the inaccurate items removed.
- What are my responsibilities as a client?
You must forward to us original credit reports ONLY if the processing department was not able to receive them. A consultant will let you know in your consultation if we are waiting on any reports. Also, please forward your results in 45 days.
- Is this process legal?
Yes. Under the Fair Credit Reporting Act, a consumer has the right to question any and all unverifiable, inaccurate and misleading information. If the item cannot be verified in 30 days, it MUST BE REMOVED! Same law applies for inquires.
- Why do I need to pay for reports, I heard you can get them for free?
We try to get them for free from the bureaus; however, if the bureau has no record of you being denied credit, you will have to pay for them individually.
- I just had a bankruptcy and how can you improve my score?
50% of our clients had bankruptcies and the way we work is, we dispute the bankruptcy and all of the accounts that were included in the bankruptcy. In 30 days, a percentage of these account get removed from the credit report and therefore, your score improves because now you have less negative items on the report. The bankruptcy will usually not come off, but some of the accounts will and that will raise your score. In addition, the removal of inquiries will raise your score as well.
- What does the service include?
We provide excellent customer service and credit education like no other company. You will have the opportunity to ask questions about your credit and we will review line item by line item of negative information on each credit report.
- Does my personal information remain confidential?
Absolutely. We keep all of your information confidential and we do not sell your information to other companies. In addition, once the credit restoration process is complete, we will destroy your file after 120 days for your security.
- How many disputes will you do?
We do 3 sets of disputes on your behalf, the entire process lasting 3 to 6 months.
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