Yes, it is legal and our services will help you to use the law in your favor. That law is referred to as “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of every 10 credit reports. Therefore most credit reports improve immediately. Very often negative items are disputed, that are actually accurate and not erroneous. In such a case, a creditor or furnisher is often unable to locate records or signed documents within the allotted time and the negative item(s) are removed from the client’s credit report. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at this stage of the credit repair process.

Contrary to what credit bureaus want you to believe, credit restoration does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit professionals. There are a couple of factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your credit results. It’s possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Also there are specific requirements the Credit bureaus, collection agencies and creditors must adhere to, when placing items on consumer credit reports. If these requirements are not met, the negative items can be removed.

We will guide you through the process from start to finish and dispute each item for you. We have a superb knowledge of the FICO scoring model and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations. We have spent a great deal of time learning the laws that will help you to remove negative information on your reports, which enables us to offer you a 100% money back guarantee. Clients receive updated credit reports every 30-45 days. It is the client’s responsibility to notify our team, if updated reports have not been receive

Initial results will be made within 30 days. We’re quick and efficient and dispute items each week. Credit bureaus have 30 days to respond to our efforts, so you will see improvement within the first 45 – 60 days. *NOTE: Each credit report is different, thus credit completion will vary based on your current credit standing and your credit goals. Most clients average 6-9 months in the program.

On average, we remove 90% or more of the negative items from a credit report. We’re affordable, trustworthy and we GET RESULTS with no hidden fees.

In most cases, 99/% of items do not reappear on a client’s credit report. By law collection agencies and credit bureaus must notify you before placing items on your report. Moreover, collection agencies can transfer debts, in which case, you have 30 days to respond to the debt. If an item(s) is reposted on your credit report, we aim to get it deleted * at no additional cost.