100% Guarantee Refund Policy

In the world of credit repair, the outcome of a service cannot be guaranteed, and no company can promise a result. We put in our best to ensure that incorrect, inadequate, and inaccurate information is identified and modified, or removed from the credit report.

The Enrollment and Client Audit Fee is not refundable, as we deliver this to you before charging you any payment. You are entitled to a 100% refund on all monthly payments if:

• We do not remove any negative items we worked on.
• You have had 120 days (4 consecutive months) from the time that you retain our services.
• You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
• You have had no new collections or missed payments during the time frame we are assisting you.
• You have maintained credit monitoring services at all times during the time frame we are assisting you.
• You agree and have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.
• You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.

No-Hassle Cancellation Policy

Want to cancel your service? No problem. There is no yearly or monthly contract with our credit repair programs. All services are rendered according to your service agreement and the payment plan you selected. You can cancel at any time. We will send your payment link 3 days prior to the payment plan due date. If you desire to cancel services, notify us at that time and DO NOT click the payment link and make an additional payments.  This successfully cancels your services, and you will not be billed any additional payments for services.

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.

Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

The credit repair process typically increases your credit scores so they can qualify for a house, car, business loan, credit card, home improvement loan, their dream job, a great rate on insurance, and other things where companies evaluate a person’s credit worthiness.

Having higher credit scores not only allows you to qualify or loans, but the money you borrow on the loans costs you less in the long run. People with higher credit scores are considered more trustworthy and financially savvy, therefore more dependable with paying back loans.

Lenders will consider you a lower risk with a higher credit score, and instead of charging you a lot of money (interest) on the money they lend you (if you meet their qualification parameters), they charge you less, because your credit reports (track record) show you are highly dependable and highly likely to pay them the money they are loaning you back.

• Lower interest rates (for example, you pay 3 cents for every dollar you borrow instead of 25 cents for every dollar you borrow)
• Qualify for better options (for example, betters cars, apartments, homes, insurance, and repayment options on money you borrow)
• Approval for higher limits (a $10,000 loan instead of a $2,000 loan)
• More negotiating power (for example, better interest rates, more beneficial repayment plans, higher credit lines, and other benefits, like having companies competing for you to borrow money from them)

With employment, you are considered a low risk and a more responsible person, thus a more responsible employee for them to invest their time, money and training into. Employers, such as banks, that check credit reports, view people with higher credit scores as less likely to be in financial strains, thus less likely to steal from the company or do something to sabotage their business.

Your credit reports have information about whether you pay your bills on time, what credit cards or loans you have, when you made an inquiry for a new type of credit, your debt to income ratio, the balances you owe on your accounts, and more.

Having too much debt, late payments, collections, charge-offs, or too many inquires for more debt can make your credit score bad.

Paying on time, keeping your credit card utilization low, and diversifying the types of debt reporting on your credit report will lead to a good score.

For a score with a range between 300-850, a credit score of 700 or above is typically considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750.

A bad credit score generally falls below 630 based on the two most commonly used credit measures, FICO and VantageScore.

Credit bureaus have up to 30 days to investigate the items you question.

You can expect to see results in as little as 30 days, with it taking up to 90 days in some cases. Our personal goal is for you to see an increase in your credit score within 45-60 days.

Most people find a period of at least three months is necessary while some stay in for up to six months to effectively increase their score.

Take a look at a comprehensive overview of our world class customer service & credit repair process.

We don’t only work to remove the negative, inaccurate information from your credit report, we also give you the information you need to increase your credit score, while making the entire process as seamless as possible.

You will need to pay an enrollment and credit audit/analysis fee of $399 in the beginning, depending on the payment plan you select. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. This fee also includes document processing.

If you decide you like the direction outlined, you will pay your selected remaining balance, depending on the payment plan you select, starting one month after your enrollment. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed. Services are provided on a month-to- month basis and you may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.

Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score.

There are a few different ways we can do this. You will sign-up for credit monitoring here, which is a service that gives you access to all of your credit reports. You give the login information to us via your client portal and we take it from there.

Yes, it allows you and us to see what all three of the major bureaus have reported in a single report. When you sign-up for credit monitoring here, it will include a 3 in 1 credit report.

Yes. We can challenge all inaccuracies at a single time, unless you personally request that we not. We prefer to dispute them all at the same time, as it shortens the length of time you will remain in the program, thus saving you money on credit repair services so you can spend it elsewhere.

We will not share your personal information with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process. For example, if your realtor referred you, we will update them on you progress so you can qualify for your home loan.

Yes, when necessary we will dispute inaccurate information with collectors and creditors.

Yes. Email us, call us, or fill out a form on the website and we will get back to you.

Yes! Call us or fill out the form on the website and someone will be in contact with you within 24 hours.

As you know, customer support is very important to any customer. We pride ourselves with the top of the line customer service. If you need anything, you can reach us by phone or by email. If you are contacting us by email or have to leave a voice message, please allow 24 hours for a response.