WHAT WE DO
Credit improvement works by using 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 that is in error. 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 once the incorrect negative items are removed. It is our job to prepare documents that challenge negative items that are in error and we are very skilled at that.
Anyone with a credit score below 720 can benefit long-term from the advice and information provided through our credit improvement services. The amount of money that can be saved from clearing up errors on your report far outweighs the fee that you pay to be eduacated and have documents prepared and sent on your behalf. Getting the financial freedom you deserve provides a peace of mind that is invaluable.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may 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. We have spent a great deal of time learning the laws that will help you to remove negative information on your report that are reporting in error, which enables us to offer you a flawless, money back guarantee system.
Through our services, 93% of our clients see their credit score increase 30 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 90 points. On average, clients are able to remove 70% of the negative items from a credit report that are reporting in error.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances. With our education and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.