Frequently Asked Questions

If you have a question, we are here for you. We have listed some of our most common and frequently asked questions below. We are aware you may have many other questions and suggest using our various ways of communicating; Live Chat, Email and or toll free at 800-611-4993.

Just click on the question to scroll down to the answer!

How do I get started?

You can sign up online right now. It’s easy and takes about two minutes. As soon as you sign up you will receive a welcome email with simple instructions on getting your credit reports and sending them to us. Our goal is to get your credit repair process initiated within 24 hours of enrollment. If you sign up now we should have your first round of credit bureau disputes out the next day. We encourage you to get started today.

Back to Questions back to questions

How does the program work?

Our system is designed to be surprisingly easy. Just sign up and let us do the work! We will conduct a detailed examination of your consumer credit report in light of the laws that govern the various participants in the reporting process. We will identify everything that is questionable, obsolete, and that exceeds the statute of limitations. We dispute thru our web based investigation software that is linked directly to the bureau’s as well as sending letters to the relevant parties for the purpose of clearing derogatory information from your reports. Our approach is truly effective. In addition, we provide valuable counseling services to insure that you are armed with all of the information needed to maximize and maintain your valuable credit scores.

Back to Questions back to top

What is the cost?

We offer the best cost structure in the business... and by far the best value for your dollar. There is a $79 one-time setup fee. Your $49 monthly fee begins 30 days later or you can pay a one-time fee of $499 with NO set up fee. Everything you need is covered. You never have to worry about confusing options or expensive upgrades. There are no hidden fees or surprises!

Back to Questions back to top

Is this an automated dispute service?

No! Our customers get personalized service and the full benefit of our experience and knowledge. Automated dispute services enter the list of derogatory information from your credit report into their software, and then direct you to a computer screen to select which items you would like to dispute. This computerized approach has the inherent risk of missing information and not resolving your credit issues. Our comprehensive, hands-on process insures you get the best possible result eliminating negative information and delivering nothing but total credit resolution.

Back to Questions back to top

Do you have a Refund Policy?

Yes, if you are not satisfied with our services you can cancel at anytime. No one in our business can predict a specific outcome, but we can assure you that we will do everything possible to maximize the likelihood of great results. Our Refund Policy is offered only with the monthly program means that you can get started today with complete confidence.

Back to Questions back to top

Are you members of the Better Business Bureau?

No, we were Accredited members until November of 2008. The local BBB of Chicago stated the following:

BBB Rating

Based on BBB files, this business has a BBB Rating of F.
Reasons for this rating include:

  • BBB concerns with the industry in which this business operates.

Back to Questions back to top

Should I sign up my spouse at the same time?

We suggest that you both sign up. As a couple you may share a significant number of accounts. We will set up individual files but joint accounts will be disputed simultaneously.

Back to Questions back to top

Can you help us build new credit?

If it looks like you will be left with "insufficient credit" when our job is done we will guide you through the process of opening secured credit cards. This is one of the best ways to rebuild credit and improve your credit scores. A secured credit card requires a small savings deposit which usually secures the entire credit line on a MasterCard or Visa.

Back to Questions back to top

Do you share our personal information with anyone?

We do NOT share your information with anyone. You may see our Privacy Policy for additional details.

Back to Questions back to top

How do I send you my credit reports?

After you sign up, we provide you with easy instructions for obtaining your credit reports which is accessible online thru our site or direct. We will provide a link to annualcreditreport.com, where you can obtain your reports for free if you have not done so already in the last 12 months. We will also provide a link to our top choice for a low cost tri-merged report.

Back to Questions back to top

When I request my report, does it hurt my credit scores?

When you request your own report it has no impact on your credit scores. There are two types of inquiries, "hard" and "soft". A hard inquiry will affect your score - and occurs when you apply for new credit. A soft inquiry will not affect your score - and occurs in three instances:

  1. When you request your own credit report
  2. When potential lenders check your credit prior to offering you pre-approved credit
  3. When a current lender conducts a periodic review of an existing account.

Back to Questions back to top

Can you order our credit reports for us directly?

Credit repair businesses cannot order credit reports for their customers. The Fair Credit Reporting Act (Section 604) prohibits the credit bureaus from furnishing credit reports to third parties for any reasons outside of the FCRA definition of "permissible purposes" which include determination of credit worthiness, underwriting of insurance, and employment screening. You will need to obtain your own credit reports, and when you sign up we will provide you with simple instructions.

Disputes

  • Late Payments
  • Tax Liens
  • Collections
  • Paid Collections
  • Repossessions
  • Charge Offs
  • Foreclosures
  • Judgments
  • Bankruptcies
  • Inquiries
  • And much more....