Frequently Asked Questions...
Here you will find the most commonly asked questions about our program. If your question is not here, please take a moment to send us your question using our form on the "contact us" page or don't hesitate to call...we are here for you.
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What is in the credit education manual?
The credit manual was written to be a powerful resource to help you both restore and rebuild your credit. It explains in easy to understand terms how the laws protect you, applies to your situation and shows how to deploy legal strategies to compel the CRAs to comply with the law. It will give you concise information about credit scoring and how to improve your credit scores and deal with other issues such as debt collection and debt negotiation.
How long does this program usually take?
This is the most difficult question to answer because every persons credit is so unique. Typically a person will see improvements within six months. However, there is no way to determine how the CRAs will respond to your requests. The other variable is the amount of credit issues you may be dealing with. Patience is a must, but history has repeatedly shown success in restoring credit.
In every case you know the cost in advance. Although we have several payment options (some with a finance charge for extended payment periods) our cost is one of the lowest in the industry at only $649 which covers our Credit Education Manual and 12 months "free disputing assistence" for up to two persons.
How do I get my credit report?
You can get your credit report for free at Www.AnnualCreditReport.com. Although this is free, it requires that you print out three reports from each credit bureau and can be cumbersome and time consuming. We have simpler recommendations for purchasing a low cost merged credit report that will be far easier for you to understand and review. We will offer these in the first email you will receive from us when you begin our program.
Can you get my credit report for me?
Companies dealing with credit restoration/repair are unable to order reports for clients. Section 604 of the FCRA prohibits the CRAs from furnishing credit reports outside of the following permissable purposes; underwriting of insurance, employment and credit worthiness(i.e.; finance industries).
Our program was built with simplicity in mind! Once signed up for the free disputing assistence, we will review your credit report and identify those items which need to be addressed, obsolete and out of compliance issues as well as questionable items. We create the bureau letters to send to the appropriate parties for the purpose of clearing derogatory information from your credit file. Additionally, the credit manual gives you valuable information to further maximize and maintain your credit scores.
Absolutely! We are sure you will be ecstatic with our service and assure you that you will receive full value for the money spent. Take a moment to review our Warranty. This will give you the confidence you need to move forward.
Can you help us rebuild our credit?
Our Credit Manual gives extensive and detailed information about the fastest and most effective ways to rebuild your credit. There are even a few tips that most companies won't mention.