Frequently Asked Questions
Is there a 100% GUARANTEE ?
You are entitled to a 100% refund on all monthly payments if:
We do not remove any negatives worked on.
You have had 120 days (4 consecutive months) from the time that you retain our services.
You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
You have had no new collections or missed payments during the time frame we are assisting you.
You have maintained credit monitoring services at all times during the time frame we are assisting you.
You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.
You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.
Is Credit Repair Legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "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.
Is there anything I will need to do in this process?
Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards.
Check your credit report at least once a year. This will allow you to challenge bad information on your credit report.
Never charge more than 20% of the available balance on any of your credit cards.
Keep your accounts open as long as possible. Even if you are no longer charging on the card.