Frequently Asked Questions

We not only help you in removing negative items from your report but we also provide ongoing credit education so you can build and maintain your elite credit status. We take it a step further and help you create a strategic plan to meet your financial goals.

It can take 3 months on average for majority of our clients. However it can vary depending on the severity of your profile and the amount of workload it takes to remove certain negatives. Very few cases have exceeded this timeframe of 6 months.

The prices are all custom quotes tailored to the client’s unique profiles but our service generally costs anywhere from $1,000-$2,000. We do offer payment plans if necessary; with adjustments regarding each individual client’s budget.

Yes you can. You just need to contact your creditors to address each of the negative items on your report. But to tell the truth, the process is not easy at all. Think about it this way…You have the legal right to act as your own counsel in a court of law, but should you? Not the best idea, right? Your chances of success in court are significantly decreased without the presence of a lawyer. We believe our guidance during the repair process is just as vital as a lawyer’s advisement in a court of law. We view ourselves as your informed representative and we give you the best chance to successfully address the items affecting your credit file.

As soon as the emails for the service agreements and the onboarding documents are submitted. Your first round of dispute letters will be sent out within 3-5 business days. We will keep you posted on any updates through text within 30-40 days after the letters have been sent out.

Yes this is necessary, as our dispute software is compatible with identityiq. This will ensure that all your information on your credit report is correctly stated so we know what or not to dispute if we do need to send in a second round of letters. 

Any information that is unfair, inaccurate, or unverified can be challenged with your creditors. These items include collections, charge-offs, liens, late payments, and more.

There are five main areas that affect your credit score.

Payment History (35% of overall score) 

Credit Utilization (30% of overall score)

Credit Age (15% of overall score)

Inquiries (10% of overall score)

Types of Credit (10% of overall score)