Frequently Asked Questions

Certainly! Our credit restoration services are entirely legal, and through our credit education and document processing, we empower you to leverage the law to your advantage. This legal framework is known as "The Fair Credit Reporting Act" (FCRA), granting you the authority to challenge any entry on your credit report. If the accuracy of an item cannot be verified within a reasonable timeframe, typically 30 days, it is mandated to be removed. Studies indicate that a substantial 79% of credit reports contain errors, equating to nearly 8 out of 10 reports. Consequently, most credit reports see immediate improvement. In instances where disputed items are not errors, creditors or furnishers often struggle to produce necessary records or signed documents within the stipulated time, resulting in the removal of the item. Occasionally, a furnisher may claim verification without providing evidence. Our expertise lies in crafting documents that effectively challenge such situations. 

By availing our assistance and utilizing our thorough document processing services, our clients have experienced remarkable success in the removal of various adverse credit elements. These include bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, outdated addresses, judgments, tax liens, and student loans. Our comprehensive approach and expertise in navigating credit challenges have consistently yielded positive outcomes, providing our clients with the means to enhance their credit profiles and financial well-being. 

Contrary to the narratives propagated by credit bureaus, credit training can indeed yield positive results in a majority of cases. However, its efficacy is contingent upon receiving sound advice from a seasoned professional. Individuals with a credit score below 720 stand to gain substantial long-term benefits from the guidance and insights provided through credit education. Nevertheless, certain limiting factors may impede our ability to assist you effectively. These factors primarily revolve around (1) your current financial situation and/or (2) the specific time frame within which you seek to achieve your desired results.

It's crucial to emphasize that the potential exists to eliminate items from a credit report, even those that are factually accurate. For example, if a creditor commits errors or fails to adhere to prescribed time frames, it opens the possibility of removing negative items from the report. Our expertise lies in navigating these intricacies to maximize the positive impact on your credit standing.

We are committed to steering you through the entire process, handling the preparation of all your documents. With an extensive understanding of credit scoring and hands-on experience dealing with creditors and credit bureaus, we alleviate the challenge of communication that individuals may face without a nuanced grasp of their techniques and regulatory frameworks governing credit reporting.

Our dedicated efforts include in-depth knowledge of laws that empower us to assist you in removing negative information from your credit report. This expertise forms the foundation of our robust money-back guarantee system, ensuring a flawless experience for you.

By leveraging our services, a remarkable 93% of our clients witness a notable enhancement in their credit scores, experiencing an increase of 10 points or more within the initial 35 days. Our dedicated approach, tailored strategies, and comprehensive understanding of credit dynamics contribute to these swift and impactful results. We take pride in the effectiveness of our services, providing clients with tangible and prompt improvements to their credit profiles, setting them on a path toward financial success.

The credit score battle has two facets, and it's essential to elucidate both. Occasionally, creditors and credit bureaus adhere to all protocols impeccably, leaving us with no grounds for dispute. However, on average, our clients successfully eliminate up to 70% of negative items from their credit reports. While this is commendable, our commitment goes even further, aiming for the removal of 100% of negative items whenever possible. We take pride in having achieved this goal on multiple occasions, showcasing our dedication to maximizing positive outcomes for our clients. 

The assurance stands that once an item is either current or settled at the time of its removal, or if a collection surpasses three years in age, it will not resurface on your credit report. This principle holds true in the majority of cases, offering a sense of permanence to the removal process. However, it's essential to acknowledge that, in exceedingly rare circumstances, exceptions may arise. Therefore, our commitment to transparency and thorough credit management ensures that you are well-informed about the intricacies of these rare scenarios, providing clarity and peace of mind throughout the credit restoration process.