Frequently Asked Questions

Credit repair is entirely legal, operating under the framework of "The Fair Credit Reporting Act" (FCRA). This legislation empowers you to challenge any entry on your credit report. If the verification of an item is not provided within a reasonable timeframe, typically 30 days, it must be deleted. Even valid negative entries can frequently be eliminated or negotiated, making the FCRA the cornerstone of credit repair and our business.

As mandated by law, agencies are required to provide you with a complimentary annual report, yet these reports do not include credit scores. To access credit repair scores, we suggest opting for a cost-effective credit monitoring service.

A credit score is a numerical output from a predictive mathematical formula assessing creditworthiness, ranging between 300 and 850. The higher your score, the greater your chances of loan approval, while a lower score diminishes those chances. If you secure credit with a low score, your interest rates will likely be higher compared to someone with good credit. In essence, maintaining a high credit score can result in substantial savings throughout the duration of your mortgage, auto loan, or credit card usage.

10% — New Credit

10% — Credit Mix

15% — Length of Credit History

30% — Debt Owed

35% — Payment History
We help you remove negative items from your history & show you how to optimize the score of your debt ratio even if immediate elimination isn’t an option.