Is credit repair legal?
Yes it is. It is your right by law to dispute the questionable negative items
on your credit reports (see Fair Credit Reporting Act). The credit bureaus do their best to make
consumers believe it is an illegal practice, but they are wrong in doing so. Our credit repair
service is 100% legal.
Do you guarantee your services?
Yes we do. If we do not improve upon your credit score with all three credit
bureaus, we will refund your entire investment. With our credit repair process you will see the
results first hand. You will not feel "left in the dark", nor will you lack positive
results. It is our goal to help you acquire a better credit score, which will equate to lower
monthly payments. Please note; we are unable to guarantee a "complete restoration" of
your credit reports. That would mean we are promising to remove all of the negative items from your
credit reports, which is impossible. If any credit repair company has promised you a "complete
restoration" and/or pressured you to give them your information, please contact us immediately.
What are my responsibilities during your process?
You have two very important responsibilities during our credit repair process. 1 - Open all of
your mail. 2 - Forward/Send us any and all information from the credit bureaus. You will receive
credit reports in the mail every 25-45 days. On the very top of those credit reports it will
specifically outline the results to our investigations. Once you review the results, mail or fax us
those credit reports.
With this type of credit repair process you are able to monitor your case, but most importantly
you are able to witness the results first hand. When you see deleted items you know we are doing
our job. Then simply forward those results to our office so our staff can properly process the new
information.
Can I restore my own credit?
It is your legal right to dispute your credit reports. Disputing a credit report is easy, but
achieving positive results is not. Dealing with the biggest data reporting agencies in the world
is difficult, complex, time consuming, and frustrating. It is not a coincidence that the Federal
Trade Commission receives more complaints against the credit bureaus than any other type of business.
The credit bureaus will do everything in their power to discourage you from your credit repair
efforts.
With some experience and study, you may be able to do some of what our staff does. It is much
like your right as a citizen to represent yourself in court - you have the right, but it probably
isn't smart. Most people look for representation because they are in need of positive results. By
utilizing our trusted credit repair process, you are guaranteed results, and you are able to focus
on your day to day activities without a dramatic increase in stress.
What are the costs associated with your service?
We charge a one time fee, so our goal is to achieve the most success as quickly as possible. Our
fee for an individual is $499.99. Our fee for a couple is $809.99. Most clients choose to utilize
our VERY affordable payment plans. The payment plan for an individual is $79/down and $69/mo for 6
months. The payment plan for a couple is $149/down and $109/mo for 6 months. This is all you pay.
There are no hidden fees or additional charges. We do not assess interest during our credit repair
process, nor do we charge for each deleted item.
I want to acquire a new home loan, how long will it take?
That depends on how many points you need to acquire the loan. Some of our clients have the
ability to refinance or purchase a new home after the first cycle (which is only 25-45 days). Most
clients are able to acquire the loan they deserve midway through our credit repair process, which is
approximately 60-120 days. Although you may acquire a loan midway through our credit repair process,
we will continue to work on your file for maximum results. With that being said, we will work on
your file for 1 full year if necessary.