Yes, credit repair is legal and our credit education and 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; that’s nearly 8 out of 10 reports! For this reason alone most credit reports improve rapidly during the dispute process. For disputed items 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 can still be removed. Occasionally the furnisher will allege verification, but not offer proof of this claim. It’s our job to prepare the documents that will challenge these actions and our team members are both extremely skilled and highly knowledgeable in this regard.
We’ll guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of the techniques and regulations in place for credit reporting. We’ve spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a streamlined, highly effective system covered by our money back guarantee.
You are entitled to a 100% refund on all monthly payments if:
► You do not remove at least 25% of all the negatives worked on.
► You have at least four negatives on the credit report at the time of sign-up.
► You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
► You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received.)
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. Everyone situation is different, please contact us to learn about your specific situation.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
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, old addresses, judgments, tax liens and student loans.