FAQ’s
Who is a good candidate for your program?
Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.
How does credit repair actually work?
Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)
How long does it take to fix bad credit?
There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. The individualized plan created for you is designed to help you complete our program
How long before I see results?
It depends on your goals, and the plan selected…However, many clients see results within the first 30-45 days. We look at your individual situation and strategically build your own personal plan focusing on the areas that will make the most impact.
How can I get a copy of my credit report?
You may obtain your credit report at annualcreditreport.com. You may also use this (hyperlink) for identity IQ, which is a credit monitoring service and will be REQUIRED should you decide to use our services,
When is the best time to start your service?
Your credit repair journey depends on you and your personal and financial goals. It’s very important to remember that credit repair is not a quick fix and doesn’t happen overnight. Credit repair is a process and definitely takes time. Many people see an increase in their credit score in as little as 30-45 days but results vary with each client
How does the 100% money-back guarantee work?
You are entitled to a 100% refund on all monthly payments if: we do not remove any negative items worked on. You have had 120 days from the time that you retain our services. You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services. You have had no collections or missed payments during the time frame we are assisting you. You have maintained credit monitoring services at all times during the time frame we are assisting you. You agree and have sent updated reports/responses from the 3 credit bureaus and creditors to us within 5 days of receipt. You should receive updated credit reports every 35-45 days ad make us aware if updated reports have not been received.