Yes, credit repair is legal, and our credit education and document processing services will help you to use the law in your favor. The Fair Credit Reporting Act is a law. The Fair Credit Reporting Act law provides individuals the right to dispute any item on their credit report. If that item cannot be verified within a reasonable time frame (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors, which is nearly 8 out of 10 reports. Most credit reports improve immediately, for items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time resulting with the item being removed. Sometimes the furnisher will say it has been verified without offering proof, It is our job to prepare documents that challenge this and we are very skilled at that.

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

You are entitled to a 100% refund on all payments and fees, if: We do not remove more than 25% of all the negatives worked on within six months from the date you retain our services. Also you MUST agree to send updated reports and letters from the three credit bureaus to us within 5 days of receipt. You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received. You may cancel services at any time. Please notify us in writing 7 days before the next billing period. (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).

Through our services, 93% of our clients see their credit score increase 20-50 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 120-180 points.

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.