FAQ

“Credit” is the privilege to use the financial means of another party. When you apply to any financial institution for a loan, mortgage or credit card, you need to provide evidence of the ability to repay, and a history of repaying past credit. You can get better terms with lower interest rates if you have good credit ratings, but with a poor credit rating, you may not get credit at any price. Building a good credit record is important to achieve many desirable goals, such as homeownership, vehicle financing, and various forms of wealth building.

Yes, credit repair is legal and it works because of the law. The law is the Fair Reporting Act which was set up by the FTC to protect consumers. The FCRA gives you the right to dispute any item on a credit report. If that item cannot be verified it must be removed within 30 days of Dispute.. That is the foundation of all credit repair.

Our average client uses our services for six months, so the sooner the better. Especially if you have plans to buy a home or car soon, getting started today can save you a big headache tomorrow.

Clients usually see results within 45 days but the credit bureaus have 30 days to process disputes. The repair process can typically take   3-6 months depending on the number of items we need to dispute.