How can you help me?

We offer two benefits to our clients. The first and primary benefit of joining our program is that we create and send specialized disputes on your behalf that are targeted to remove your specific negative items. Most consumers can get the loans they need by having a clean credit report. The second benefit is that we’ll help you build positive credit history if you have a lack of it. These two services combine to help you get qualified for the money you need.

How long does it take to fix my credit?

This is the most frequent question we get, and unfortunately there’s no straight-forward answer to it. The reason there’s no clear answer is because it’s entirely dependent upon the companies that own your debt (creditors and collection agencies) and how they deal with our disputes internally. There are tens of thousands of these companies and each one is run differently from the next. While the ones that own your specific debt may respond positively to our disputes resulting in the item being removed 30-45 days, others can take longer.

What items can you help me with?

The most common items we're able to help with are collections & charge offs (loans, student, medical, credit cards, utility bills, phone bills, and anything else belonging to a collection agency), public records (bankruptcies 7 & 13, judgements, tax liens state & federal),  personal information, and more. 

Which companies do you help dispute negative information with?

We dispute with the major 3 Bureaus: TransUnion, Equifax, Experian.

Who are these Bureaus and why do they matter?

When you go to a lender seeking a loan they pull your credit reports to help them make an educated decision on if they should give you money. The information on your credit report is bought by these lenders from the Bureaus. Just like you pay a monthly fee to subscribe to Netflix to watch your favorite shows, lenders pay a monthly fee to subscribe to TransUnion, Equifax, and Experian to pull your credit reports.

Is what you do/credit repair legal?

It is 100% legal. The FCRA and FTC grant you, the consumer, the right to challenge all items on your credit report. We’ve helped our clientele qualify for home loans, car loans, credit cards, jobs, and more, since 2016,  We operate under the Credit Repair Organizations Act (CROA) and adhere to all guidelines therein.

What’s a FICO score and why does it matter?

FICO scores are included in the reports that lenders get from the Bureaus. A FICO score uses a proprietary algorithm (created by a company called FICO) that generates a score based on all of the items on your report. It’s a way for lenders to get a quick idea of how big of a risk you are to loan money to without having to go through all your reports line by line. Keep in mind that there’s not just a single FICO score; there are many FICO versions that are all slightly different. On top of that, each Bureau has their own slightly modified versions. Just be aware that you may get FICO scores from different companies that are slightly different.