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Testimonial

First of all, I wish to thank you and your staff for your services. They have really paid off. I am very happy with the progress that was made on all my credit reports. I recently was able to refinance my house at 5.375% interest which was a savings ...more

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Q & A - Questions and Answers

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Browse Our Q & A

Costs and Warranty

Right to Cancel
How much does it cost to retain your services?
What about your warranty?
What is a Retainer Agreement?
When Are Funds Drafted?
What is an electronic transfer?
Why Do You Require Automatic Drafts Or Credit Card Drafts?
What if I want to quit? What if I'm not satisfied with your work?

Credit

What can be done?
The Truth About Credit Records
What About Credit Repair Companies?
Can credit repair companies really guarantee results?
Should I listen to what the credit bureaus say about credit repair companies?
When I pay off a past-due account, it will show paid and will no longer be negative, right?
If I delete a negative item, will it just come right back on my credit report?
Disputing the credit report is easy, can't I restore my credit myself?
If I declare bankruptcy, I can begin my credit report all over with a clean slate?
If I build good credit, will it offset my bad credit and make me credit worthy?
Cost of Having Bad Credit
What factors inflluence a credit score?
What is VantageScore?
What is the difference between FICO and VantageScore?
Why is having good credit so important?
What are the benefits of credit scoring?
What is a credit score?
What is a FICO score?

Credit Reports

What is the "100-word" or "consumer statement" on my credit report?
Purchasing Your Credit Report
Receiving Your Credit Report
Why does most negative information stay on my credit report for seven years?
Does the law say negative information has to stay on my credit report for seven years?
Is it illegal to have negative, accurate listings deleted from my credit report?
Is it possible to re-establish my credit file by altering my Social Security Number or using an Employee Identification Number (EIN)?
Is it possible to remove bankruptcies and foreclosures from credit reports?
What is a credit report?
What Kind Of Information Can Appear On My Credit Report?
How long does the negative information stay on my credit report?
Can I See My Credit Report?
How many negative items can be on my credit report before I have trouble?
Who Looks At My Credit Report?
On my credit report, what do the letters "R," "I" and "M" and the numbers next to them mean?
What Is A Charge Off?

Misc

What is CVV2?

Other Credit Questions

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
What about Bankruptcy as an answer to my problems?
What about I.R.S. issues?
What Is Consumer Credit Counseling Services (CCCS)?
What is Debt Settlement ?
What is Debt Consolidation?
If I declare bankruptcy, can I start over with a clean slate?
What is a Debt Consolidation Loan?
What is the difference between Chapter 7 and Chapter 13 Bankruptcy?
What about debt elimination scams?
What is a Fraud Alert?
What is a Credit Freeze?
What Are the Pros and Cons of Using a CCCS?

Service

Firm Payment
Forwarding Information
Advantages of Having Us Get Your Credit Scores for You
Cannot Guarantee
Do you have any kind of a guarantee?
Can I do this myself?
Can I call you if I have any problems or questions?
How will I know when my credit report has changed?
What is Credit Score Enhancement?
Do I Need To See My Credit Reports First?
Will paying my bills fix my credit report?
How do we do it?
This all sound so easy, can't I restore my credit myself?
Looking for more than just the simplistic approach to restoring your credit?
How long will it take?
Is credit repair legal?
If an item you've deleted comes back on my credit report, then what?
What about my bills?