Credit repair is a service provided under the CROA that allows credit repair service providers to help consumers correct items on their consumer credit reports that are found to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is violating the Credit Repair Organizations Act (CROA).

Our service works by working with creditors and credit bureaus to find legitimate reasons to remove incorrect, unfair or questionable items from our clients' credit reports. Often, we can find violations of certain requirements of those creditors. If we do, we take advantage of those violations as a way to get the creditor or bureau to delete the account.

This is a tough question. For one thing, we cannot tell you in advance that any account can or will be removed from our customers' credit reports. Again, like all law-abiding credit repair agencies, we can only remove items that appear to be inaccurate, outdated, or unverifiable. However, many items in most people's reports could fall into one of those categories. In the past, we have helped clients eliminate collections, late payments, car repossessions, student loans, and even public records. Again, we cannot make any promises about specific accounts.

We provide all our customers with an estimated time frame for service. In general, clients usually stay with us for 3 to 6 months. However, this does not mean that all items will be deleted in that time period or that all items will be deleted at all. This is just the typical time frame that people choose to stay in our program.

The cost of our service depends on how many negative accounts are affecting your credit. Simply request an initial payment of $39.99 and count the number of accounts and select which plan you qualify for.

The simple answer is because the credit bureaus say so. Unfortunately, there is language in the law that requires you to provide them with information. If you do not provide proof of your identity and address, the offices will simply ignore your dispute and you will go nowhere. Below is a list of what can be used as evidence.

You must send these Documents:
• Photo ID
• Copy of Social Security
• 2 recent steering tests

As much as we would like to, there is simply no way to know the answer to this question. There are too many factors involved in the credit scoring model. The biggest variable is the "human factor." We don't know what he will do during this process. You may receive new late payments, max out credit cards, get new credit, get new collections, get a judgment against you, or one of hundreds of other things that would change the outcome of your service.

REMEMBER! Our service is only to help you remove items from your report that you would like us to work on, the score change is simply a by-product of our service.

We must make it very clear, we do not grant any type of loan or financing. Therefore, we cannot tell you if you will be approved for any of those things. Many people come to us with very bad credit and hope to be approved for loans or financing programs with very strict financing guidelines. Remember above, if we can't promise you that ANY item will be removed from your report, how can we assure you that you will be approved for a loan after working with our program? We are here to help and we helped hundreds of people, but please don't expect miracles.

Unfortunately no, but from the time the credit bureaus receive your dispute, they have 30 days to respond. This leads some people to believe that if it has been more than 30 calendar days, they MUST delete those items. This is simply not the way it works. There are sections of the law that allow them additional time under certain conditions.

We assure you that we will work as quickly as legally possible.

Below you will find a collection of credit law references.

FCRA – Fair Credit Reporting Act
CROA – Credit Repair Organizations Act
FACTA – Fair and Accurate Credit Transactions Act
FCBA – Fair Credit Billing Act
TILA – Truth in Lending Act
Gramm-Leach-Bliley Act
FTC – General website for the Federal Trade Commission