The difference is that credit repair helps you in eliminating erroneous information from your credit report so as to increase your credit score; credit restoration will let you know about the ways on securing a good credit score by making wise decisions about your purchasing habits. 2 in 1 service. Both credit repair and restoration to guide you on your way to good credit.
Yes, credit repair is legal. The document processing services will help you 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 (usually 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.
Credit repair can not be guaranteed. Making these guarantees is against the law. Our company is unable to predict the actions of the credit bureaus or creditors. What we can guarantee is supreme customer service, hard work, and improved financial education.
A minimum of six (6) months to fully see the program’s full potential. During the six month enrollment, clients typically see a credit score increase by forty five (45) days of initial enrollment. If you’re looking to buy a home, the credit repair process should begin 6-9 months prior to anticipated purchase date.
Yes, there is no requirement for time enrolled in the program. However, refunds will only be issued if requested within 3 days of the drafted payment and no work has been completed. By enrolling in the program you are stating that you understand and agree to these terms regarding payment. If you cancel before your scheduled draft you will not be responsible for any additional fees.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, names, old addresses, judgments, tax liens and student loans.
Yes they can. Negative listings that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means.
Of course you can. But, there are advantages to having professional help. Credit repair takes time and patience. Knowing how the laws work is also a big plus. In most cases individuals do not posses the time, patience, and complete knowledge to successfully repair their credit themselves. We help you get results.
You also have the option of purchasing our Do-It-Yourself Repair Kit.
The credit repair program requires an ideal candidate screening consult prior to the actual enrollment process. Upon qualifying for the service, our investment fees start at $49.99 to begin the process depending on the service and a monthly service charge of $99.99 per month for three to nine months.
Your enrollment, documents, & private financial details will never be disclosed or sold. We will not identify your enrollment on social media or credit accomplishments without your consent. Your private information/identity will not be used in any promotional content.
