What is a credit report?
How do I obtain a credit report?
What is a credit score?
How can I improve my score?
How is my credit score calculated?
What are the three credit reporting agencies?
Do all three credit bureaus report the same information?
How long does the credit repair process take?
Is credit repair legal?
What are "Credit Counselors?"
Do you offer a refund policy or guarantee?
How long does the process take?


What is a credit report?
A credit report is a document that provides a history of your credit activitywhich is made up of four components: Identifying information, credit history, public records, and inquiries.

How do I obtain a credit report?
You can either purchase them online from the credit bureau's website, or if you have recently been denied credit you may be entitled to a free copy depending on the state you live in and the FACTACT.

What is a credit score?
Your credit scored is used to determine how likely an individual is to repay a debt whether its a credit card or loan. The score makes it easy for lenders to determine this based on a simple number. Every lender has their own scoring system, but most lenders use the scoring system that the 3 major credit bureaus use.

How can I improve my score?
There are several easy ways to not only keep your credit clean, but also improve your score. First, pay all your bills on time. Keep your credit card balances below 30% of the credit limit. Do not let anyone pull your credit unless your 100% ready to buy. Do not apply for any new credit if you already have 5 open lines of credit. And finally, remove all negative items from your credit report.

How is my credit score calculated?

According to FICO©, There are Five Factors that Control Your Score

•35% of your creddit score is based on your Payment history which is the most important factor.
•30% of your score is based on the Amount of Debt You Owe and The Percentage of What You Owe to Your Credit Limit
•15% of your score is based on the Length of Credit History of your Accounts.
•10% of your score is based on the Amount of new credit lines that are opened
•10% of your score is based on the types of credit that are used on your file.

What are the major credit reporting agencies?
The 3 major credit bureaus are Equifax, Experian, Trans Union. There is also a 4th reporting agency that is out there named Innovis.

Do all three credit bureaus report the same information?
Depending on which lender you go through will determine which credit bureau the item will appear on. Your credit items can report on any of the 3 or all of the above.

How long does the credit repair process take?
It could take as little as 30 days or up to six months to see results . It all depends on the client and the credit situation. It would be innapropriate to make a promise that you would see a certain result after a said amount of time. Every clients case is different and the only estimate we can give is by our previous clients cases and how long it has taken to see a positive change. Our services are good for 24 months in which we continually monitor your credit file. Usually we see a positive change within the first 60 days but can take longer under certain circumstances that may occur.

Is credit repair legal?
Absolutely. The Fair Credit Reporting Act allows anyone to dispute negative or inaccurate items on their credit reports. There's nothing we do that you cannot do yourself when it comes to fixing your credit situation. Individuals can restore their credit on their own but this can take time and a lot of knowledge when it comes to the credit laws. That's why we are here to help since we have the experience and knowledge to get you the positive results.

What are "Credit Counselors?"
Credit Counselors are usually non profit organizations that can settle your debts and consolidate them into one low monthly payment. This is not always a benefit and can actually hurt your credit because you are giving them the responsibility of making your payments on time every month.

Do you offer a refund policy or guarantee?
Yes. We offer a 100% money back guarantee . If it has been 6 months which is equivelant to 3 disputes, and there hasnt been at least one item updated or deleted, we will refund enrollment fee in full. If you are on a monthly plan, we will refund all monies you paid in minus initial fee. No Questions Asked. If there have been delays on the file due to clients negligence in following the responsibility of the clients terms, the guarantee will be null and void.