Each individual negative items from what we seen takes between 30-90 days to come off your credit profile. The average client reporting that we have seen over the years takes between 4-6 months for all negative items to be removed from your credit profile. Every clients credit profile is different. We seen clients get there negative items off there credit profile less then 4 months and we seen it take more then 6 months. The duration of how long it could take is not completely in our control, but we can assure you my team works fast and efficient for the best possible results in the shortest amount of time! We do 4 rounds of disputing all negative items all at one time to all 3 major credit bureaus Equifax, Experian, and Transunion. ***Each round takes between 30-90 days for results! You will get your own portal to track the progress as we go! 24/7 access!

Yes, credit repair is legal. The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. Studies have shown that over 70% 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.

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here. Never charge more than 20% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 20% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home. Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score. Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

You are entitled to a 100% refund on all monthly payments if: We do not remove any negatives worked on.- You have had 120 days (4 consecutive months) from the time that you retain our services.- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.- You have had no new collections or missed payments during the time frame we are assisting you-You have maintained credit monitoring services at all times during the time frame we are assisting you- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt. You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.

A tradeline is any account appearing on your credit report. A tradeline keeps a record of creditor's information to calculate his/her credit report. You can mutually benefit from someone with positive credit history and improve your credit score if he adds you as an authorize user. This practice is sometimes called credit piggybacking and it’s 100% legal, protected by the Equal Credit Opportunity Act. Since the early 90s, millions of Americans have used credit piggybacking to obtain competitive financing for things we all need, like mortgages, car loans and education loans.

Once added as an authorized user, your credit score inherits positive factors that drastically increase your credit score (FICO® score) in less than 60 days – and we guarantee it! These positive credit boosting factors include: Increase limit to balance (utilization) ratio Increased overall average age of revolving accounts Perfect payment history