Why work with a credit consultant?

Contrary to what the credit bureaus would like you to believe, using a credit consultant does work and can work for everyone almost without exception. This is, of course, provided you are getting the best advice and have an experienced consultant working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through a credit consultant; however, there are times when your own limitations make adhering to this advice impossible. The two limiting 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 if the creditor does not adhere to the law that outlines what needs to be done within a specified time period. All items must be 100% accurate and verifyable, which is where many people's credit reports fall short.

What can a credit consultant do that I can not?

We act as your representative. Due to our working knowledge of credit scoring and experience working with creditors and credit bureaus we should be able to get you better results then you could obtain for yourself. It may often 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. If you know what you’re doing, you can repair your own credit, you can also build your own house, but would you? We specialize in nothing but credit issues, as with any specialty, the more skill one has, the better the result they’ll get. We stand behind our ability to help you in the credit arena.

What is your warranty?

Our money-back warranty is easy to understand and is the best in the business.

If you contract us for the service of removing negative inaccurate and/or obsolete information, we will refund all monies paid if we do not remove more than 25% of all the negatives we work on, from all three major credit bureaus, within six months from the time our services are retained. It's that simple!

How long will it take to raise my score?

Through our services, 96% of our clients see FICO score increases in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 70 points. There are many factors that go into a credit score, we have seen many clients get more than a 70 point increase. There is no exact way of knowing how much one’s score will increase.It is important to note that we rely on the client not doing anything that will decrease their score while we are working on the file. We will do everything in our power to increase your credit score as high as possible, including giving you the best advice as it pertains to your unique credit profile

Why are your results so much better than other credit consultants?

There are many reasons why our results are better than other credit consultants. Let me focus on the two main reasons. the first is we use certified mail. most other credit consultants will not, because it is very expensive to do so. We feel strongly that you can get better results with certified mail and other companies are just too cheap! Secondly, we also dispute with your original creditors. most credit consultants won't do this because it too is to expensive and time consuming of a process. We do it because we are committed to getting you the best results possible.

Will the removed items come back?

Only in rare instances. If we successfully remove a collection account without you settling it; their is a chance the debt will be sold to a new collection company who will begin to report it.

What items can you remove?

Through our services, we can normally remove the following inaccurate, unverifiable and obsolete items: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, and student loans.

What items can't you remove?

The items you tell us are 100% accurate and verifyable.