DO I PAY FOR YOUR CREDIT REPAIR SERVICES BEFORE OR AFTER THEY ARE COMPLETED?

All packages include an Audit Fee. After you receive your Audit, your payment will be processed. Credit repair deletion fees are charged after our work has been completed and at the end of each cycle.


DO YOU ADVISE TO DISPUTE ALL INFORMATION IN YOUR CREDIT REPORT, REGARDLESS OF ACCURACY?

No. We only advise you to dispute questionable negative items. You have the right to dispute questionable negative items and any credit information you feel to be inaccurate, incomplete, unverifiable, or obsolete.


DO YOU CREATE NEW IDENTITIES OR CREDIT REPORTS FOR YOUR CLIENTS?

No. It’s against the law to create “new” identities or credit reports. Beware of companies that advocate creating “new” identities or credit reports.


I’VE BEEN TOLD THAT AFTER SEVEN YEARS, DEROGATORY ACCOUNT(S) WILL BE DELETED FROM MY CREDIT REPORT, IS THAT TRUE?

No, that isn’t accurate information. Statistics show that a high percentage of all credit reports contain errors, and the burden of proof as previously stated, is on you as the consumer. The bureaus don’t have the time or resources to go back and make sure everything is reporting correctly. Here is where the consumer wins – if an item on your credit report is outdated, incorrect, or unverifiable, it must be removed and deleted.


IS CREDIT MONITORING IMPORTANT?

Yes in general, it is very important that you monitor your credit. Fraud can be very common on credit reports and the reporting of inaccurate information due to fraud is equally as common. You will need to sign up and maintain a credit monitoring account to best utilize our credit repair service in order to keep track of progress.


WHAT ENTITIES DICTATE YOUR CREDIT SCORE, AND ARE THEY SOMEHOW TIED TO THE GOVERNMENT?

The “Big 3”, as they are often called, Equifax, Experian, and TransUnion, are the major consumer reporting agencies in the USA. Though your credit score is intertwined with nearly every aspect of your life, the government is not involved and has no authority or input on determining your credit score. Simply put, the higher the score the lower their risk. Your score is comprised of and weighted in accordance with the following percentages:


WHAT IS NEEDED TO START THE CREDIT REPAIR PROCESS?

In order to begin the credit repair process, clients must complete the sign-up section of the website or call us to enroll. Additional ID documents will be needed for some packages and we will need to review your current credit report and scores.


WHY ARE THERE SO MANY ERRORS ON MY CREDIT REPORT?

It would be fair to assume that since the bureaus not only collect your personal information but sell it as well, that they would do a stellar job at ensuring that everything is current and accurate. However, that is not always the case. The cost and resources needed to investigate every consumers’ individual credit report is not a priority of the credit reporting agencies. As a result, you as the consumer are responsible to determine the accuracy of your information.