You can use the contact form to express your interest. As soon as one of our account representatives receives your request, we will contact you and discuss your credit needs. After we have addressed all of your questions and you have agreed to the terms of the program, we will start working on your behalf. If you sign up today, 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
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
We offer very competitive pricing. There is a $149 one-time setup fee. Your $79 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! Beware of dispute services that claim $29 for fast results. They often do not provide a “full-service” dispute program and the limited dispute services require you to stay in the program for 12 to 24 months to achieve the desired results.Back to Questions
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
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
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
If it looks like you will be left with 'insufficient credit' when our job is done, one of our Credit Analyst can share information on some of the best methods to rebuild credit and improve your credit scores. Back to Questions
After you sign up we will provide you with easy instructions for obtaining your credit reports and getting them to us. Back to Questions
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
Credit repair businesses cannot order credit reports for their customers. The Fair Credit Reporting Act (Section 604) prohibits the credit bureaus from furnishing credit reports to third parties for any reasons outside of the FCRA definition of 'permissible purposes' which include determination of credit worthiness, underwriting of insurance, and employment screening. You will need to obtain your own credit reports, and when you sign up we will provide you with simple instructions. Back to Questions