FAQ's

Will credit repair work for me?

Absolutely. Every credit history is unique, so the amount of negative items we remove will differ per person.
Our goal is to challenge inaccurate, unverifiable, or outdated items. We also provide tactics to help you raise and maintain your score.
If after reviewing your report we don’t believe we can help, we won’t enroll you in the program.

How does credit repair work?

Credit repair is the process of disputing inaccurate or false information on your report.
Creditors, bureaus, and collectors supply data to the three major credit bureaus, and that data determines your credit score.
We review your reports, identify questionable items, and file disputes to remove or correct them — while teaching you how to reinforce good credit practices.

How will I know it’s working?

You’ll see progress through:

• Our client tracking portal,

• Notifications from your credit monitoring service,

• Updates via mail or emails from bureaus/creditors,

• A final investigation report sent to your home.

Can you remove an open account?

Yes — if there are late payments or inaccuracies on that account, we can dispute them.

Can you guarantee a credit score increase?

We can’t guarantee a specific score or timeframe.
Sometimes scores dip temporarily during disputes or if you stop making payments.
But our commitment is to do our best to remove disputable items quickly.
Typical improvements are 70–100 points, though results vary.
If the desired score isn’t reached, we’ll continue working with you.

When is the best time to start?

Start when you’re confident you can cover the cost for at least this month and next.
Credit repair is not instantaneous — many people see changes in 30 days, but full improvement often takes longer.

I’ve done credit repair before — can you still help me?

Yes! Previous attempts won’t block us from helping you.

Can you teach me how to fix credit myself?

Not currently. We don’t offer master classes.
We do provide guidance and best practices during the process.

Do you offer credit counseling?

Yes — for any questions or guidance, you can reach out to customer service and someone will assist you.

Can you help me if I don’t live near your office?

Yes — we work with clients in all 50 states, including internationally.

Are you licensed or certified?

Yes — all staff are certified in credit repair and counseling.

How do I get started?

1. Sign up with a credit monitoring service like IdentityIQ, SmartCredit, or MyScoreIQ (so we can see your full credit reports).

2. Provide us your username, password, last four digits of your SSN, and email.
   We’ll use the monitoring service to pull all three bureau reports for your consultation.

Can I use a free credit report I already have?

We prefer that new clients use IdentityIQ (or equivalent) so we can access full, up-to-date data from all three bureaus.
Free services sometimes don’t include all three bureaus.

What if I can’t use IdentityIQ?

You can sign up with alternatives like Credit Karma, Credit Sesame, Experian, etc. We’ll work with what you choose.

Can you remove anything from my credit report?

Yes — as long as it falls under the guidelines of the Fair Credit Reporting Act.

Does checking my own credit hurt my score?

No. That’s a soft inquiry and has zero effect on your credit score.

How long does the process take?

It depends on your situation. On average, clients finish in 3–6 months, but some cases take longer.

Can you stop creditors from calling me?

Yes — we can send a Cease and Desist demand or guide you how to handle calls yourself.

Deleted accounts reappear — what should I do?

It’s rare, but possible. If one reappears, we’ll dispute it again at no extra charge.

Will you work with attorneys?

Yes — in rare cases where legal action is needed, we can collaborate with trusted attorneys.
Usually, though, we resolve things without going to court.

Can I stay a client if I live in a different state?

Yes — location doesn’t matter. We serve clients nationwide.

Is credit repair legal?

Absolutely. Disputing items on your credit report is your right under the Fair Credit Reporting Act.

Must negative items stay on my credit for a certain time?

No. While there are legal limits (7–10 years for many negative items), there is no rule that says a bureau must keep them until then. They may be removed earlier.

What if I only have one item to dispute?

The price usually remains the same because of setup costs and processing.

 Personal & Account Questions

Is my information secure?

Yes — we use highly secure, encrypted systems.
Paper documents are shredded after being stored digitally, and all staff are trained in privacy protocols.

Do you share my information with anyone?

Only with credit bureaus and creditors, to verify and dispute account data relevant to your case.

What forms of ID do you accept?

• Valid (non-expired) Driver’s License

• SSN or SSN knowable via last 4 digits

• OR Passport

• Supporting documents (utility bill, bank statement, insurance, etc.)

Why hire you instead of handling it myself?

You can try on your own — but credit law is complex.
We’re experts at drafting dispute letters, strong follow-up strategies, and ensuring compliance.
Let us handle the heavy lifting, while you focus on your life.

Will one person be assigned to me?

No — a small team (2–3 people) collaborates on your file to ensure full coverage and checks.

 After a Dispute Round (40 Days Later)

How will I find results?

You can:

• Call, text, or email us

• Check your client portal, which will be updated with all responses from creditors or bureaus

I’m being mailed forms from a creditor — should I fill them out?

No — these are usually mass‑generated.
Please ignore them, and forward them to us via your portal.

Should I send you all the mail I get?

Yes — upload it to your portal so we can review and respond appropriately.

Why is one bureau’s score lower than the others?

Each credit bureau receives different data. Just because one removes something doesn’t mean the others will immediately.

What’s next after 40 days?

We’ll review all bureau communications, make updates in the portal, then begin the next round (if needed) or wrap up.

Why is my score still low after multiple rounds?

Possible reasons include:

• Not enough positive tradelines

• High credit card utilization (especially above 60%)

• Recent late payments or new hard inquiries
  We’ll walk you through which areas need focus and improvement.

When can I qualify for a home loan or refinance my vehicle?

We usually suggest focusing on getting your mortgage first, then refinancing your vehicle.
New loan accounts can temporarily drop scores, so timing matters.
We also recommend aiming for at least 660 on 2 of 3 bureaus.

What do I do with the mailing envelope the credit bureau sent me?

If it was sent in error, return it to the post office or store it — we’ll resend if necessary.

I have proof a debt was paid but it still shows delinquent — can I send that?

We typically don’t need that paperwork, because our goal is to delete the account.
But if you’d like, you can upload it via your portal and we’ll review it.

 Tradelines & Credit‑Building

What are tradelines / authorized user tradelines?

Tradelines are the accounts on your credit report (credit cards, loans, mortgages).
Authorized user tradelines are when you’re added to someone else’s account — you get the benefit of their history (if it’s positive), without being responsible for payments.

How long for a tradeline to post on my credit?

Once added, it should appear within one monthly reporting cycle (usually ~30 days).
If added too close to a reporting date, it might take 45 days max.

Do you offer tradelines?

Not currently. Instead, we help you apply for high-limit secured cards and other credit-building tools.

When can tradelines be added?

Once 80% of negative accounts are removed and any fraud alerts are lifted, we can guide you on adding tradelines.

 Fraud Alerts & Security

Why did I get a fraud alert notice?

When disputes are filed, credit bureaus often place a fraud alert automatically to protect your identity.

Why do I need a fraud alert?

It helps prevent anyone from opening new credit in your name during the repair process by requiring extra identity verification.

Can I remove the fraud alert?

Yes — but we recommend waiting until after disputes are done (because alerts may be re‑applied).
You’ll need to call the bureaus and answer security questions.

How long to remove a fraud alert?

Typically 24–72 hours once the request is processed.

 Inquiries & Legal

What are soft vs. hard inquiries?

• Soft inquiries (like checking your own credit) don’t affect your score

• Hard inquiries (from applying for credit) can slightly lower your score

Can you remove inquiries?

Yes — if they’re not tied to open credit card accounts, we can dispute them.

Can you remove a bankruptcy?

Yes — all types of bankruptcy can potentially be removed, subject to credit law.

 Other Financial Items

ChexSystems

ChexSystems tracks banking account issues (overdrafts, fraud, closed accounts), which is separate from credit reports.
We don’t currently dispute items in ChexSystems.

Credit card charge‑offs / collections / repossessions / evictions / student loans / personal loans

We can help remove charge‑offs, collections, repossessions, evictions, and student or personal loan negatives — if there are grounds to dispute.
Removal from the report doesn’t erase your legal obligation to pay.

Judgments & tax liens

Judgments usually don’t appear on consumer credit reports, so they’re not disputed here.
Tax liens typically aren’t reported to consumer credit bureaus either.

Child support

We can work to remove child support listings from credit reports — but this is only cosmetic. It doesn’t absolve legal obligations established by court orders.

 Credit Score & Improvement

What is a credit score?

It’s a number (usually between 300–850) derived from your credit history that helps lenders assess creditworthiness.

How is it calculated?

Key factors include:

• Payment history (~35%)

• Amounts owed / credit utilization (~30%)

• Length of credit history (~15%)

• New credit / inquiries (~10%)

• Types of credit in use (~10%)

How can I improve my score on my own?

• Pay all bills on time

• Pay down balances (target below 30% usage, ideally below 10%)

• Avoid opening new credit unless necessary

• Don’t close old, unused accounts

• Be strategic with new credit applications

Will deleting negative items eliminate the debt?

No — the debt may still exist. Removal from your credit report is related to appearance, not the legal obligation.
But if the statute of limitations has passed, collection is harder.

Should I dispute everything negative on my report?

No — we do not dispute positive accounts. We focus on valid negative items that you believe are wrong or unverifiable.

Do deleted items ever come back?

Rarely, but yes. If they do reappear, we dispute them again at no extra charge.

If a negative item stays after the statute date, should I wait?

You have the right to dispute any negative item you believe is incorrect — regardless of age. If it’s past the statute, disputing often weakens collection efforts.

Why does my score differ across credit apps (e.g. 620 vs. 500)?

Each service uses different scoring models and data sources. Differences are normal.

When will I see my score go up?

You may see items removed in 30 days, but full improvement takes time — maybe 3–6 months or more.

 Employment, Co‑Signers & Other Scenarios

Can improving my credit help me get a job?

Yes — some employers review credit reports (not scores) to assess responsibility or identity.
Better credit can’t hurt.

Do I have to tell my employer I’m repairing credit?

No — you don’t have to disclose anything, and we don’t contact employers.

I co‑signed for someone; their late payments hurt me — can you fix it?

Yes. We can dispute the account under your name. However, it will remain on the primary party’s report.

Debt of a deceased spouse/parent — do I owe it?

Usually no — unless you co‑signed. Community property states may differ. Always consult a legal expert for your situation.

Ex‑spouse was supposed to pay an account — what now?

Even if the divorce decree says they pay, the original contract with the creditor still holds you responsible if you signed it.
We can attempt to dispute or negotiate removal, but the legal agreement between you and the ex is separate from the creditor’s contract.

 Payments & Contracts

Can two people on a plan pay separately?

Yes — we support individual billing for partners or co‑clients.

How do I pay?

We accept credit/debit cards, or we can send an invoice to your email.
Automatic payments and secure processing are available.

Am I locked into a contract?

No — there is no mandatory long-term service period even though you’ll sign an agreement.

Are there extra charges?

Beyond the base cost, the only additional charge is for credit monitoring (usually $24.99–$29.99/month).
We don’t charge for consultation.

Can I cancel anytime?

Yes — you can cancel at any time. You’ll owe payment for work already performed.
Credit monitoring services are separate; you’ll need to cancel those directly.

Why does the free evaluation cost something?

We offer a free consultation, but you must activate credit monitoring to get started — that’s a cost from the monitoring provider.

Do you accept checks?

No — we don’t accept paper checks. We accept credit/debit card payments only.

Can I request a payment arrangement?

Yes — that’s possible, but it depends on approval from management.

 Affiliates & Partnerships

What is an affiliate?

An affiliate is someone who refers new clients to us. They can earn a commission (often $50+ per client) when those referrals sign up.

Do you work with affiliates?

Yes — we have many affiliates such as real estate agents, loan officers, CPAs, and attorneys who refer clients to us.

 Credit Bureaus & Reports

What are the three credit bureaus?

They are Equifax, TransUnion, and Experian.

Why get reports from all three?

Each bureau may have different data. Checking all three helps us identify discrepancies and ensure a thorough dispute process.

What is a credit report?

It includes:

• Your identifying information (name, address, SSN)

• Credit history (cards, loans, payment status)

• Public records (bankruptcies, judgments)

• Credit inquiries
  Lenders use this information to assess your creditworthiness.

Who can see my credit report?

Businesses or persons with a legitimate credit interest — lenders, insurers, landlords, or employers (with your permission) — may access it.

How long do items stay on my credit report?

Negative items vary (commonly 7–10 years). Positive items may stay indefinitely as long as they remain active.

How do I get a copy of my credit report?

We recommend using a paid monitoring service so we can see all three reports together. Free sites sometimes exclude certain bureaus or have outdated data.

 Credit Score & Limits

What are your charges again?

• $300 to start

• $150 every 40 days per round

• $25–$30/month for credit monitoring

Do I need to settle debts with creditors?

Generally, no. Settling can actually hurt your score because it shows account activity.
We typically dispute first unless there's a strong reason to settle.

If I cancel, do I owe anything?

Yes — you owe for all work done up to cancellation. Monitoring fees may also be owed to the monitoring provider.

Why can’t I pay with a check?

Checks are not accepted due to security and processing policies. We handle payments via credit/debit or electronic invoice.

Do new clients always need credit monitoring?

Yes — we require a legitimate, paid monitoring service to access full credit reports for disputes.

 Legal & Complex Issues

Do you handle judgments / liens?

Usually, judgments do not appear on consumer credit reports, so we don’t dispute them here.
Tax liens mostly don’t appear on typical consumer reports either.

Can you remove or dispute child support listings?

Yes — we can try to remove them from credit reports. But legally, the child support obligation remains.

What happens if a negative item is removed but later reappears?

We re-dispute it at no extra charge.