Here are some of our most frequently asked questions


How Long does the process take?

The answer to that question is highly dependent on several factors. The first big controlling factor is how much information in your credit file is subject to dispute or challenge. Obviously, someone challenging 5 items is most likely going to reach the end of the process faster than someone challenging 30 items. The next controlling factor is how quickly the credit reporting bureaus act. Sometimes a bureau may agree after our first letter. Sometimes it requires persistent requests to see action. A great deal depends on the originator and the accuracy of the information. If the information is accurate and is properly documented there is little to nothing that can be done to remove it. No two client cases or client credit files are the same. That is why we spend so much time with you reviewing your credit file to determine the vulnerabilities of each negative entry. The last huge factor is you. You are an active part of the process, not a spectator. The quicker you inform us of the credit bureaus responses to our challenge letters the quicker we can either move on to the next issue or prepare a follow-up letter on the existing issue. The faster you review and approve your challenge letters , the faster they get sent out. Our process is completely transparent. We work hand in hand with you so you can see every step we take along the way. We take a very aggressive approach and complete our work quickly to ensure the credit bureaus are held to task within the guidelines of the " Fair Credit Reporting Act ".


Do the Credit Bureaus want to help me?

That is a most definite NO. You see the credit bureaus participate in this process only because the Fair Credit Reporting Act tells them they have to. It's all loss and no gain for them. They don't get paid a dime for their time and as a matter of fact, it costs them money. We have found that the credit bureaus attempt to handle dispute letters in the fastest way and with the least amount of effort on their part. That means they say NO...Go AWAY ! The dispute process is not engineered to be easy. As a matter of fact, it is by design difficult and tedious. The whole idea is to make you give up and go away. If you go away they win because they do no work and it costs them nothing. If you are very persistent and force them to make corrections to your credit file.....they will.....begrudgingly. They don't really care about you or the information in your credit file. They only care about making money from the companies that pay them....debt collectors and debt buyers. If they cared more about how the false and incorrect information they publish affected real people like you,  we would not have to work so hard to fight for your rights. Contrary to what some other credit repair companies say there is really no magic to repairing credit. It's just persistent work based on years of experience in the field. You could do it all by yourself. Just take the time to read a couple books, handful of YouTube videos, few days of on line research and then write several dozen letters using trial and error to figure out which ones work. When they tell you " NO " you'll have to write again ...and again...and again until you finally come up with the right combination that forces the error to be corrected. I liken it to rebuilding the engine in your car. You could do it yourself if you wanted to and had the time..... but I'm not sure how long it would take you and I'm not super confident you'll actually get the result you were looking for.


When you do credit repair is my personal information safe....Do you share it with anyone ?

Yes...Yes...and Yes... And in case you're still not sure , Yes!  All your personal information is kept secure. We go to great lengths to ensure that your personal information is protected. We use multiple firewalls when your data is actively being used and when it is not being used it is completely detached from our server to protect it from any hacking attempt. We share your information with no one. We sell information to no one. Your privacy is protected....always