Most frequent questions and answers
Credit repair is legal in all 50 states under these Federal Laws – Fair Credit Reporting Act(FCRA) and the Credit Repair Organization Act(CROA). These laws grants you the right to authorize a qualified third party to make disputes on your behalf.
There is no fast and easy answer to this question. On average it can take anywhere between 30-90 days to see improvements. Please keep in mind that the time it takes to repair your credit is completely dependent upon your personal situation. In that regard, we value each member’s unique situation and provide a customized Action Plan to suit every members needs.
Do not apply for new credit! Each time you apply for new credit, you’ll end up with a hard inquiry which will lower your score. New lines of credit will also lower your average age of history which can possibly lower your score. Keep your credit utilization as low as possible until the next credit scoring cycle.
While bad credit does limit your borrowing options, it may still be possible to find a loan with bad credit . However, the question remains, is a bad credit loan worth the disadvantages it carries.
Yes, If we’re unable to remove, fix or correct any of the erroneous, obsolete or unverifiable items on your behalf in 90 consecutive days (3 months) from the day you start our program, we will refund 100% of your payments.
If a creditor wishes to reinsert a negative item into an individual’s credit file, it must certify that the information to be reinserted is correct and complete. In addition, the credit bureau planning to allow the reinsertion must inform the consumer within five days of any changes being made to the individual’s credit file
The fact is there’s no quick fix for creditworthiness. We can help improve your credit report legitimately, but it takes time, and a conscious effort.
Your level of participation includes but not limited to:
- Keeping us inform with any correspondence you receive
- Paying all credit cards and any revolving credit/loans down and on time
- Do not close accounts
- Avoid applying for new credit
Do not close your old credit card accounts.
Old established accounts show your history, and tell about your stability and paying habits. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open.
Since work is performed 24-48 hours after sign up, your first Bill will be due on the 3rd day after sign up. Depending on the day it falls on, the cycle will continue 30 days after your first initial charge.
To cancel your plan please send us an email to firstname.lastname@example.org