Credit Repair is a process. We advise clients to prepare for atleast a minumum of 6 months. If you're looking to buy a house or car in the next 30-90 days, we will not and cannot gurantee that negative items will be removed, ever. 

If you have these expectations, we're not a fit for you. 

No! We will never guarantee that any item will be removed from your credit report, no matter how confident we are that it can be removed. Items with inaccuracies/errors can still be verified by the credit reporting agencies. This does not mean that they're in compliance with the FCRA, however, they can still verify it. That's why we're here to fight on your behalf. 

If any entity, individual, CRO is guranteeing you that an item will be removed, especially by a certain time, that's a red flag and most likely unethical and illegal practices are being used.

There are laws that protect against "Reinsertion" and other Procedure in case of disputed accuracy:

15 U.S. Code § 1681i (5)Treatment of inaccurate or unverifiable information: https://www.law.cornell.edu/uscode/text/15/1681i

Yes, the bureaus have up to 45 days to provide results. We import reports every 35-38 days. If you receive a stall letter in the mail, we will respond immediately, but understand that although we may tell the bureaus they only have i.e. 15 days to respond, the results can still take up to 30 days from the time they received the letter in the mail. 

It serves us no purpose, to not send your disputes. You have a portal where you can view and track your progress. 

Please understand that the credit bureaus actually have up to "45" days to respond. 

TransUnion sends them via physical mail. Experian does as well, but tends to send them via email the majority of the time Equifax rarely sends them, but can also be via email or physical mail. 

Neither you, a credit counselor, attorney, nor a company can control it, as they are computer generated and many people are getting them. We simply reply to them. If you received 3 or more, we may ask for Limited POA, and that may still not stop them, at times. 

We can't answer that question, nor can anyone else. If the debt is truly yours, it can be verified, even with errors. However, the key to removing negative items is persistence and pressure. Please be patient and allow atleast a minimum of six months.

However, we have a client guarantee. If we do not remove atleast 1 negative item from your credit report, we will refund you in full or opt to provide additional months of credit repair at no cost to you. 

If you pull a copy of your credit reports, we ask that you check the dispute status. If the account reads "Account Not Disputed" that does not mean that it wasn't disputed. This is a common FCRA violation that we can leverage on your behalf through our attorneys. We typically address this on Round 4 or later. It depends on the credit file as each one is unique.

if you read the creditor remarks, you may find something like "account disputed and meets FCRA requirements", sometimes not. 

Please do not harrass, insinuate, or make false allegations that the account was not disputed by us, as we have strict records, data tracking, and other pertinent information to address those claims. This is a violation of our policy, and your account will be suspended, not to be reinsetated. 

We strongly advise against buying tradelines and CPNs. We do not operate in any illegal manner what-so-ever.

We do not and will not engage in any illegal activity regarding hard inquiry removal sweeps and credit sweeps. These are illegal. The only way to do this is by claiming identity theft, fraud, and accounts in pre-litigation where there is none. If you're looking for this type of service, we're not a fit for you and will not take you on as a client.

We don't tolerate harrassment, false accusations, false allegations, disrespect, bullying, nor threats. We respect every client and will accomodate within reason. We do not tolerate friendly fraud, defamation, etc. 

 We deploy compassion and empathy and love to educate all of our clients. We understand this is a frustrating process, but it requires patience, commitment, respect & communication. 

We're happy to answer all of your questions and address any of your concerns. 

 However, we will not tolerate those things. You're account will be suspended and we will cancel services immediately if any of our staff experiences this type of behavior coming from a client. 

We set the expectations that credit repair is a process, we provide detailed answers to most FAQs, and we're very transparent.

We are certified, licensed, bonded, and insured. We're in full federal & state complaince. We've never had any violations. Attempting to lie or defame us on public platforms or social media because you're unhappy, didn't do your due dilligence, or making false accusations will result in warnings, cease & desist, and eventually the pursuant legal against you.