Do you have questions before we start helping you raise your credit score? No problem—we can offer you a consultation.
Every customer’s situation is different. We build a customized credit strategy to help you reach your goals within the maximum time.
We can’t guarantee your results, but what we can say is that most of our customers start seeing the best results within 90 days of signing up for our service.
Our top priority is to assist you with increasing your credit score and rebuilding your credit. Our team is here to help you with any questions.
- Systematically identify and dispute credit report errors
- Master credit utilization
- Focus on flawless payment history
- Strategically handle collections accounts
- Leverage “authorized user” status
The task of identifying and disputing report items should not be taken lightly!
The aim of credit repair is to remove questionable negative items from your credit reports. By doing so, you eliminate information that hurts your credit score. The result can be a higher score and better access to credit.
The process starts with your credit history as compiled and maintained by the three credit reporting bureaus (Experian, TransUnion, and Equifax). The information on these reports guides the actions of creditors, lenders, employers, landlords, and others who interact with you.
The Fair Credit Reporting Act gives you the right to review and correct your credit reports. At the very least, you want to ensure that nothing on the report is erroneous, lest you suffer needlessly from an artificially low credit score.
When you hire a credit repair company, you retain a credit pro who helps you identify questionable and inaccurate negative information on your credit reports. This information includes credit inquiries, late payment, defaults, debt collectors, foreclosure events, and bankruptcies.
The impact and duration of negative information like a foreclosure or late payment varies. For example, too many hard credit inquiries (i.e., inquiries stemming from your applications for a new credit account or loan) within a specified period can lower your score by five to 10 points for a year.
At the other extreme, a Chapter 7 bankruptcy can drop your score by more than 100 points and remain on your report for 10 years, although the impact begins to dissipate after a couple of years.
How Credit Repair Works:
- Credit Report Review – We carefully review your reports from all three major bureaus (Experian, Equifax, TransUnion).
- Identify Errors – We look for mistakes such as duplicate accounts, outdated negative items, or accounts that don’t belong to you.
- Dispute Process – We challenge those items directly with the credit bureaus and creditors under the Fair Credit Reporting Act (FCRA).
- Ongoing Updates – As the bureaus respond, we update you and continue working until the process is complete.
- Credit Building Guidance – Alongside disputes, we help you build positive credit for lasting results.