If you have a question, we are here for you. Here is a selection of our most frequently asked questions. If you can’t find the answer you are looking for just go to our Contact Us page and send your question over or give us a call. We are easy to talk to!

How fast can I get results?
In most cases, you will have credit results within 30 days, and credit bureau results from Experian, Equifax, and TransUnion. Typically, it will take a few months in order to get your score where it needs to be. This depends on what is being reported, and how much each negative item affects your score. We can give you a better estimate with our FREE credit consultation.

How much of a score increase can I expect to see ?
Our only objective is to put you in a better financial position, by working to right the wrongs on your credit report. It is hard to estimate your exact gains without seeing the actual credit report. What we can do, though, is give you a fair estimate of how long it’s likely to take for you to see improvements in your credit score. We will be there every step of the way guaranteeing that you increase your scores on a monthly basis.

Is removing items off of my credit report legal?
Yes! We operate under the Credit Repair Organizations Act, and utilize several laws designed to protect you as a consumer. For example, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, and the Fair Debt Collections Practices Act, the Telephone Consumer Protection Act, and the rules and regulations set forth by State and Federal governments for credit services organizations. We place a significant premium on compliance with all State and Federal credit repair laws, and work diligently to maintain the highest standards of service, within those parameters.

Does it hurt my credit when I pull it?
No, there are two different types of credit pull hard and soft credit inquiries. the first hard credit pull is for the use of obtaining credit and does affect your credit score. the Second type called a soft pull for information of credit does not affect it. It use for educational or fact finding purpose and does not affect you.

Can I just fix my credit myself?
Yes, you can repair your own credit. You could spend the time to learn the credit reporting and debt collection laws, and devise successful strategies to appropriately correspond with the credit reporting agencies, collection agencies, and individual creditors. You could devote the time and energy that it takes to actually do your own credit repair, too. But wouldn’t you rather spend your time doing something else? We are certified credit consultants. We have been trained to handled the dispute for you. We are there to teach you steps to improve your credit score. This is an all sides process to improve your score. We never encourage you to not pay loans or create new identities or anything illegal by nature. Helping you succeed is our goal!

Can you get my credit report for me?
We cannot get the credit report because it violates the Fair Credit Reporting Act. It has to be directly given to you, so then you can in turn hand it to us.

Why do you need my identification?
The three major credit bureaus require three forms of identification to prove that the dispute is legitimate. These include: utility bill with your current address, social security card, and a photo identification (usually your drivers license). We keep your information secure and private. This information is only used for verification with the credit bureaus.