Frequently Asked Questions (FAQ's)

01 How does billing work?

An enrollment and audit fee will be charged after signing up for our service for work initially completed. The monthly fee begins 30 days after. 

02 How can I stop services?

Simply email a letter to [email protected] before the next billing month starts. Monthly payments will only be for months we worked on your account and have to be canceled before the 1st of the next billing month.

04 What are the program rules?

The program rules are as follows, Keep credit monitoring, build positive credit using only the recommended trade lines, keep credit card balances low, pay all bills on time, and send us all collection and credit bureau responses promptly.

03 When should I see results?

Credit bureaus have 30 days to process disputes; you will see initial results in about 30-45 days. On an ongoing basis, you will see results each month you are in the program.

05 How long does the process take?

Times vary based on how many negative items are reporting on your credit report. It also depends on how many positive accounts you currently have reporting. A positive account is a revolving credit account with no late payments. If you need help building positive credit getting a secured card right away can speed up the process. 


Schedule for your FREE credit consultation

Call the office

Call the office at your scheduled consultation time. During this consultation, we will get you enrolled in our service. We will need a copy of your ID and proof of your current address

We get started on your credit file right away by going after creditors and credit bureaus on your behalf, handling all legal paperwork and document processing. If items are not removed on the first round of challenges, we will re-customize our methods for the next month.

Credit Facts


Payment History

The first thing any lender wants to know is whether you've paid past credit accounts on time. This helps a lender figure out the amount of risk it will take on when extending credit. This is one of the most important factors in a FICO Score.


Amount Owned

Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO Score. However, if you are using a lot of your available credit, this may indicate that you are overextended-and banks can interpret this to mean that you are at a higher risk of defaulting.


Length Of History

In general, a longer credit history will increase your FICO Scores. However, even people who haven't been using credit long may have high FICO Scores, depending on how the rest of their credit report looks.


Credit Max

FICO Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. Don't worry, it's not necessary to have one of each.

Ways to increase your credit score

  • Paying bills on time can help maintain a higher credit score
  • Never let an account go into collections
  • If you cannot make your payments on time, always make arrangements
  • Instead of closing accounts keep them in good standing to help with your length of credit history
  • Make sure to keep all balances low on credit cards and other revolving accounts to 30% or below
  • Paying off debit can be more beneficial than a balance transfer
  •  Try and stay away from opening new accounts too rapidly, this can cause your credit score to decrease