¡Restore your credit score, rebuild your credit and reclaim your financial well being! 

We can help you understand how your credit score is determined, what factors affect your credit, and proven ways to improve it considerably.  

Your credit is important

By choosing our proven approach of eliminating negative items on your credit report and making simple adjustments to how you earn and spend money, you will achieve a high-quality credit score and be approved for new homes, cars, loan applications, and more!  

How long does the process take?

Everyone's credit situation is completely different, so how long it takes for you to achieve your expected results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, your ability to pay overdue debt, and the level of credit bureau cooperation. We will do our part by performing a comprehensive evaluation of your credit reports and creating dispute letters based on the results, usually within 48 hours from the date we receive them. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.

How much will it increase my credit?

Many of our clients have seen an increase of 100 points or more; however, the actual amount will vary per customer. There are many factors that affect a credit score besides derogatory items. For example, the ability to pay down revolving debt, the type of credit you have, your length of credit history, even the number of inquiries on your credit file. It is especially important that no current accounts fall into a negative status.

Will the credit agencies respond to all the disputes I send them?

The credit agencies are required by law to respond to all correspondence. It is not uncommon for credit agencies to send letters stating they want more information, or that they will not re-verify an account. These types of responses are very common and customers should not be alarmed if they receive them. You must have patience, because the credit agency’s make their money by providing credit reports to lenders, not by answering dispute letters. Customers must continue to send all correspondence they receive from the agencies to the processing center.

Can I check my progress?

Every 60 days, your file will be reviewed. Based on the documentation received from you, (credit report updates and letters from creditors) a new dispute will be generated and forwarded to you to review and sign. Along with the new dispute document, you will receive a status update report showing the progress and deletion of accounts to date. You can also access our Web site for an up-to-date account status.

Can I restore my own credit?

Yes, you can. You can also represent yourself in a court of law, and do your own oil changes on your vehicles. 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. We are a service company. We offer experienced, professional help at very affordable rates for your convenience and benefit.

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