FREQUENTLY ASKED QUESTIONS

What you need to know - CREDIT RESTORATION FAQ

1. Is credit repair legal? 

 

  • Absolutely! You have rights. The federal Fair Credit Reporting Act (FCRA), which was set up by the FTC to protect consumers, gives you the right to dispute ANY item on your credit report. If that item cannot be verified it must be removed. The FCRA promotes accuracy, fairness and privacy of information in the files of consumer reporting agencies. Simply put, it gives you as the consumer the right to know what is in your file. You can request and obtain all the information about your file with the various agencies and challenge any information that you believe is inaccurate. We work to spot discrepancies on your credit report. If your report contains inaccurate, incomplete, or misleading information or illegally filed items, they must be removed and that’s where we come in! We do not offer any service that is a legal violation.

 

2. Can’t I repair my own credit?

 

  • Credit repair is tedious and can be very time consuming but yes, you can take actions to repair your own credit. We actually have a DIY guide that can be purchased in our CREDIT TOOLS to assist you in better education yourself in the credit dispute process.

  • You can represent yourself in court as well, that does not mean that you should. Credit repair is a very detailed process that deals with ever changing laws. Knowledge and experience are important!

3. How do I know if I need credit repair?

 

  • We suggest pulling your credit report and calling in for a free file review. The 15 minute file review will give you a brief overview of our program and discuss your needs, if any. For better understanding, we suggest obtaining a detailed credit audit from us prior to signing up for the program ($49 for 45 minutes). This will provide you with a complete credit analysis report and strategy designed specifically for you. Your needs are our top priority!

4. How long does the program take?

 

  • Everyone's life experiences and credit history are different. A consultation would be the best way to determine your need. An average enrollment time is 5-6 months, but could take longer. You can expect to start seeing results in as early as 45-60 days from initial contact with either the creditors or credit bureaus.

 

5. What if I choose to cancel? 

 

  • Refund requests are honored within the first 24 hours after initial enrollment. Once your online portal is setup in our system, work has begun on your file and no refunds are available.

6. What can I expect? 

 

  • You can expect honesty, integrity, and tons of credit education. Time, Patience and Consistency are our friends! We will do all that we can to help improve your credit situation. Embrace, Trust and Respect the Process.