Why do I have to have a monitoring account?

Credit repair is kind of like getting your car fixed… The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit “hood”. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed.

Keeping a monitoring service is a requirement of our service.

As per our Terms of Service, failure to keep an active monitoring account could result in a cancellation.

How much will my score go up?

As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of the hundreds of other things that would change the outcome of your service.

What items can be removed?

This is a tricky question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories.

What is Credit Repair?

Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).

How long before I see results?

It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need to be done. That’s actually one of the best parts of our service we look at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact– and helps us get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.

What if all my negative items are accurate?

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here’s why. Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions.

Is credit repair worth it? Why?

To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.

What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

What are the three credit bureaus?

A credit bureau – sometimes called a “consumer reporting agency” – is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

What is a charge off and how do I remove or fix them on my credit report?

When an account is unpaid for more than 180 days, a creditor usually writes off the debt as a loss on their financial statements. This is known as a charge off. Once a debt is charged off, it is either transferred to an in-house collections department or sold to a third-party collection agency who will likely contact you in attempt to recoup the balance.

How long do negative items stay on your credit report?

It’s a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no minimum timeframe. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well…

Where can I fix my credit score?

Several laws provide consumers the ability to question creditors regarding accounts that are ultimately reported to the credit bureaus. Everything appearing within a credit report must meet three consumer protection standards: Information must have been fairly reported, entirely accurate, and fully substantiated…

Why is credit repair important?

Credit affects every area of life. When your credit is bad, it follows that your life may face similar hardships in the areas of…