Frequently Asked Questions

Yes, credit repair is legal. There is nothing a credit repair company can do that you can’t do yourself. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. We handle all the tedious and drawn-out work that is involved with proven strategies when disputing accounts with the credit bureaus. Be sure to look up the laws in your state so you're aware of the process, especially for Georgia clients, since it can be illegal if an actual specialist is repairing credit in Georgia for a fee.

Credit monitoring helps you keep track of your credit profile for changes. This would include score changes, account status changes, fraudulent activity and more. It would work through sending you notifications when there is any kind of ongoing charges or activities happening on you credit. This would make it quite easy for you to stay on  top of your financial and personal information. Also we are unable to assist you with your credit restoration process without it. Credit monitoring is a requirement for ALL clients who sign up with our services.

There are no guaranteed time frames on when your profile can be repaired? Every profile is different and sometimes your debt can actually be validated. Our role is to act as an advocate on your behalf, by using the laws to challenge inaccurate information reporting on your profile. The reality is sometimes you will actual have to settle your debt or try to do a pay to delete in order to satisfy the derogatory account. Credit repair can range from 90 days up to a year or more depending on your profile.

Yes, unless it was placed on your profile from identity theft or unethically. Getting these debts removed from your report will not make the debts as if they never happened. We recommend settling them after deletion to make sure they aren’t resold to another collection agency.

Yes! We have a DIY portal with step by step instructions included on how to properly challenge items on your profile. We also have instructional videos and weekly tips that will be emailed to you during the process. If you get stuck during your DIY journey, you have the ability to book a paid consultation, so we can assist you with staying on track. 

No, never dispute online as this waives your right to be able to challenge the account in the future. If you have done this in the past it's best to attempt to challenge the account via mail if it comes back. If you know you have challenged anything online within the last 45 days please notify your specialist, so they are aware of how to properly challenge the account moving forward. 

A negative item is anything that’s being reported to the credit bureaus that can negatively impact your score. Late Payments, Collections, Charge Offs and Bankruptcy’s are just a few of the negative items you could see on your credit report. 

There are no two credit files exactly the same. Therefore, results will vary from client to client. Some clients may see results more swiftly than others depending on the severity of the credit file.  

We can assure you that your personal information is secured. Our systems are all encrypted and SSL secured. 

Sorry unfortunately we can not guarantee any results, including score increases or deletions. We can only promise to use the laws to challenge inaccurate information reporting on your profile. There is no possible way to predict how the creditors or credit bureaus will respond to dispute requests.

No, in some cases, mortgage lenders want to see these settled if deletion is not possible, but making payments on an old debt, re-ages the debt and lowers your score all over again. Once the collection hits your profile the damage is already done, so it is best to settle or attempt a pay to delete.

Understanding the components that makeup credit scores can help you manage your credit decisions. To see how it all breaks down, here’s an example of how scores are calculated with a popular algorithm. 

• Your payment history is important, because your payment history makes up 35% of your FICO score. On-time payments build your score. Late Payments hurt. This section is worth 192.5 points of your credit score. 
• Your utilization of available credit amount for 30%. Lenders look at how much money a person could borrow if they wanted to. This section is worth 165 points of your credit score. 
• The length of your credit history contributes 15%,. This is your credit age section. Credit age is the length of time that you have had credit. This section is worth 82.5 points.
• The types of credit accounts you maintain comprise 10%. This is the mix of accounts reporting on your profile. Such as 2 or more credit cards, a short term installment loan , and a long term loan
• New credit accounts are responsible for 10%. This section is when you apply and add new accounts to your profile. This section is worth 55 points.

All of these values are then broken down into a credit score, which ranges between 300 and 850—the higher the number the better.