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Client Testimonials
Just wanted to thank you for everything you have done for us. In less than 60 days of working with you, our credit score has raised high enough to be able to qualify for a mortgage loan that we were not able to before. Besides that, everyone there was so professional an...read more credit repair testimonials >>
Q & A - Questions and Answers
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Costs and Warranty
What is an electronic transfer?Why Do You Require Automatic Drafts Or Credit Card Drafts?
What if I want to quit? What if I'm not satisfied with your work?
How much does it cost to retain your services?
When Are Funds Drafted?
What about your warranty?
Retainer Agreement
Right to Cancel
Credit
Cost of Having Bad CreditWhat can be done?
The Truth About Credit Records
What About Credit Repair Companies?
Can credit repair companies really guarantee results?
Should I listen to what the credit bureaus say about credit repair companies?
When I pay off a past-due account, it will show paid and will no longer be negative, right?
If I delete a negative item, will it just come right back on my credit report?
Bankruptcies and foreclosures are said to be impossible to remove from the credit report.
Disputing the credit report is easy, can't I restore my credit myself?
If I declare bankruptcy, I can begin my credit report all over with a clean slate?
By changing numbers in my social security number or by using an EIN tax number, I can have a fresh start.
If I build good credit, will it offset my bad credit and make me credit worthy? After all, I was only late a couple of times.
Is it illegal for creditors to take a negative, accurate listing off my credit report?
Credit Reports
What is a credit report?What Kind Of Information Can Appear On My Credit Report?
How long does the negative information stay on my credit report?
Can I See My Credit Report?
How many negative items can be on my credit report before I have trouble?
Who Looks At My Credit Report?
What does R1 and R9 mean?
What Is A Charge Off?
Misc
What is CVV2?Other Credit Questions
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAWPurchasing Your Credit Report
Receiving Your Credit Report
What Are the Pros and Cons of Using a CCCS?
Why are things on file for seven or ten years? What makes that number so magical?
Why is seven years the magic number credit bureaus use to repair your credit?
Does the law say it has to be on for seven years?
What should I know about FICO?
What about Bankruptcy as an answer to my problems?
What about I.R.S. issues?
What Is Consumer Credit Counseling Services (CCCS)?
Service
Can I do this myself?Can I call you if I have any problems or questions?
How will I know when my credit report has changed?
What is FICO/Credit Score Enhancement?
How do we do it?
This all sound so easy, can't I restore my credit myself?
Looking for more than just the simplistic approach to restoring your credit?
How long will it take?
Is credit repair legal?
If an item you've deleted comes back on my credit report, then what?
What about my bills?
Do I Need To See My Credit Reports First?
Will paying my bills fix my credit report?
Do you have any kind of a guarantee?
Advantages of Having Us Get Your Credit Scores for You
Cannot Guarantee
Firm Payment
Forwarding Information