Frequently Asked Questions

 ​Yes, credit restoration 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. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed 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 gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that. 

 We will 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 their techniques and regulations in place for credit reporting. We have 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 flawless, money back guarantee system.

Rebuilding your credit score is a journey that takes patience. The time it’ll take to raise your credit score depends on the reason your score needs boosting in the first place. If your score is low because you don’t have much credit history or you’re just starting your credit building journey, your score can be boosted within months.

It may take a little more time if your score is low from the about of debt you have, but finding the right debt relief option is the first step you’ll need to take to get on the right track. For those who have hurt their creditworthiness through missed payments or going through bankruptcy, making your way back to a healthy credit score will take even more patience. 

 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. 

 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. 

Maintaining an active monthly credit monitoring service is required in order to keep track of your score progression month to month. Score from Credit Karama or other commercial services are not eligible as we need the most accurate score from ALL 3 bureaus