Credit Repair

How do I get started?

You can sign up online right now. It's easy and takes about two minutes. As soon as you sign up you will receive a welcome email with simple instructions on getting your credit reports and sending them to us. Our goal is to get your credit repair process underway as quickly as possible. If you sign up now we should have your first round of credit bureau disputes out in a few days. We encourage you to get started today. Back to Questions

How does the program work?

Our system is designed to be fantastically easy. Just sign up and let us do the work! We will conduct a detailed examination of your credit in light of the laws that govern the various participants in the reporting process. We will identify everything that is questionable, obsolete, and out of compliance. We then send letters to the relevant parties for the purpose of clearing derogatory information from your reports. Our approach is truly effective. In addition, we provide valuable counseling services to insure that you are armed with all of the information needed to maximize and maintain your valuable credit scores. Back to Questions

What is the cost?

We offer the best cost structure in the business... and by far the best value for your dollar. There is a $49 one-time setup fee. Your $49 monthly fee begins 30 days later. Everything you need is covered. You never have to worry about confusing options or expensive upgrades. There are never any hidden costs or surprises! And if you are signing up with your spouse, it gets even better; we will discount their monthly fee by fifty percent! Back to Questions

Is this an automated dispute service?

No! Our customers get personalized service and the full benefit of our experience and knowledge. Automated dispute services enter the list of derogatory information from your credit report into their software, and then direct you to a computer screen to select which items you would like to dispute. This computerized approach can leave the majority of potential improvement untapped. Unlike these automated services, our comprehensive, hands-on method insures that you get the best possible result. Back to Questions

Do you offer a guarantee?

Yes, if you are not satisfied with our service we will refund your money. No one in our business can predict a specific outcome, but we can assure you that we will do everything possible to maximize the likelihood of great results. Our Guarantee means that you can get started today with complete confidence. Back to Questions

Are you members of the Better Business Bureau?

Yes, we are members, and we are proud to be a Better Business Bureau Accredited Business. Back to Questions

Should I sign up my spouse at the same time?

We suggest that you both sign up. We offer a 50% couples discount to encourage you to sign up at the same time. As a couple you may share a significant number of accounts, or you may share none. Either way, when you sign up, we will set up separate files and you will each get the benefit of individualized attention. Back to Questions

Can you help us build new credit?

If it looks like you will be left with "insufficient credit" when our job is done we will guide you though the process of opening secured credit cards. This is one of the best ways to rebuild credit and improve your credit scores. A secured credit card requires a small savings deposit which usually secures the entire credit line on a MasterCard or Visa. Back to Questions

Do you share our personal information with anyone?

We do not share your information with anyone. You may see our Privacy Policy for additional details. Back to Questions

How do I send you my credit reports?

After you sign up we will provide you with easy instructions for obtaining your credit reports and getting them to us. We will provide a link to annualcreditreport.com, where you can obtain your reports for free if you have not done so already in the last 12 months. We will also provide a link to our top choice for a low cost tri-merged report. Back to Questions

When I request my report, does it hurt my credit scores?

When you request your own report it has no impact on your credit scores. There are two types of inquiries, "hard" and "soft". A hard inquiry will affect your score - and occurs when you apply for new credit. A soft inquiry will not affect your score - and occurs in three instances: 1) when you request your own credit report, 2) when potential lenders check your credit prior to offering you pre-approved credit, and 3) when a current lender conducts a periodic review of an existing account. Back to Questions