Is credit repair legal?

Yes, credit repair is legal, and our credit education and document processing services will help you use 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 (30 days) it must be removed.

Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. 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 that.

What can be removed from my credit report?

Any items that are reporting inaccurately, unverifiable, or outdated include:

  • Charge Offs
  • Collections Accounts
  • Late payments
  • Bankruptcies
  • Repossessions
  • Medical Bills
  • Personal Information
  • Inquiries
  • & much more!

More than a credit repair company

Credit repair is legal, and you can do it yourself if you would like. With our expertise of knowledge, understanding the credit laws, and experiences we strive to educate each client on how to establish, repair, and rebuild your credit.

Why fix your credit?

As you know bad things happen to good people. Control your credit and don’t allow it to control you. Good credit is buying power and it allows you to make those purchases you desire. It’s not about how much money you make, but about managing the money you do make. Let our team lead you on a path of financial success so you can do the following, but not limited:

  • Become a homeowner
  • Purchase a vehicle
  • Approve for loans
  • Save you money

What happens to accounts when they are removed?

Removing anything from your credit reports does not remove your obligation. You are still legally liable for the debt and need to settle if it’s within the statute of limitation in your state.

What is 100% Guarantee?

You are entitled to a 100% refund on all monthly payments if: – You do not remove more than 25% of all the negatives worked on. – You have had no new collections or missed payments in the time frame we are assisting you – You maintain a Credit Monitoring service throughout the Credit Repair service. – You have had six months from the time you retain our services. – You have at least four negatives on the credit report at the time of sign-up. – You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services. – You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

How long does it take?

Each client credit profile is different, so the timeframe required to repair your credit will vary. The majority of our clients see results within the first 45-60 days.

We work with you directly on a month to month basis until you are satisfied with the improvement in your credit. Our services work on improving both your credit score and credit report each month. Keep in mind that no company can promise any specific outcome simply because there are several third parties involved and no one can predict how they will respond. HOWEVER, we strategically analyze your credit report and address any negative items reporting to ensure all information is validate and accurate.