Everyone wants you to see results right away. Most people will see progress within the first 45 days of their membership. Obviously, everyone's credit situation is different. Most of our time is spent waiting for the credit bureaus to respond to our requests and we pride ourselves on getting those disputes to the bureaus as fast as possible. Our warranty becomes effective after one year, although many cases are completed in a much shorter time frame. As a reference the average person with 7-10 inaccurate, misleading or obsolete items on each credit report should be prepared for at 6 month commitment.

By law no one can guarantee that they can have items removed from your credit reports. However, we do not want you to pay for our service if you do not see results. Therefore, we offer a warranty on our services. You will receive a portion of your money back if you do not see the appropriate progress with your case. Please see our Terms of Use or the section entitled Warranty on this website.

You are given certain rights under the Fair Credit Reporting Act, including the right to challenge inaccurate, obsolete and misleading items appearing on your credit reports. We offer our expertise and services to help you assert these rights.

No. The credit bureaus are regulated by the Fair Credit Reporting Act which is a federal law. We have clients nationwide. Your rights are the same whether you are in Alaska or Alabama.

That is why we are helping you. Removing inaccurate, misleading or obsolete items from your credit reports may have a very positive impact on your credit score and your ability to get credit. No guarantee can be given by law, but clients who stay with our program and adhere to it may see their ability to receive credit enhanced.

No, we may challenge any items that you feel should be challenged and the credit bureau must verify these items. The only exception to this is that they do not have to verify inquiries, but if you feel that an inquiry should not be on your reports then the company that supposedly asked for your credit report can be contacted and that fact may be disputed with them.

Experience has shown us that disputing too many items at one time can actually slow down the process because the credit bureau may deem your dispute frivolous. Therefore, we only dispute the number of items in each letter that we deem appropriate for your case (usually from 1 to 7 per credit report per letter depending on the total number of items you wish us to dispute). We want to see results and will challenge as many items as possible without jeopardizing a slowdown of the process.

We help you by using your rights under the Fair Credit Reporting Act. The credit bureaus have 30 days to investigate items on your credit reports that are challenged. If they cannot verify the information they are reporting within this time period then they must modify or delete the information. We also correspond with creditors who also must verify information they are reporting about you or refrain from reporting negative information. Through continuous dialogue with both the credit bureaus and your creditors we can help you restore your credit.

This is known as the "soft delete". Revisions to the law have made it much more difficult for the credit bureaus to put something on your report after it has already been removed. Does it happen occasionally? Yes. The credit bureaus often make mistakes. We will re-challenge this item with the weight of the previous deletion in our favor.

We would never advise not paying your bills, but that issue is between you and your creditors. We work on what appears on your credit reports and leave the issue of your current payments up to you.

Paying your bills on time should do nothing but help your credit score. Many of our clients are trying to buy a home, refinance a home or qualify for new credit. Good payment histories will help you do all of those things. We often tell people that while we work on the past you should be working on the future.

Yes, you can. You can also represent yourself in a court of law, fix your own transmission and do your own yard work. We are a service company. Just as you are probably better at what you do than we would be, we are probably better at credit repair than you would be. You can also represent yourself in a court of law. We offer experienced, professional help at very affordable rates for your convenience and benefit.