FAQ

Frequently Asked Questions


Credit Repair

  • How long does credit repair takes?

    You will start to see amazing results within 30 days or money back guarantee.

  • How much is credit repair?

    Obviously, everyone’s credit situation is completely different, so how much will it cost to repair you credit depends on the nature of your case. Fill out the form to get pricing on repairing your credit.

  • Will this raise my credit score?

    Yes, that is why we are helping you. Removing the negative inaccurate, outdated, misleading, unverifiable or obsolete items from your credit reports may have a very positive impact on your credit score and your ability to get credit. Clients who stay with our program and adhere to it may see their ability to receive credit enhanced tremendously.

  • Is there anything that can not be removed from a credit report?

    No, all information reported by the credit bureaus are subject to the same laws and criteria. We may challenge on your behalf any items we challenged and the credit bureaus must investigate these items.

  • Can you remove bankruptcies?

    Yes, bankruptcies are routinely removed from our clients’ credit reports, as well as a vast array of items included in bankruptcy.

    Although we are prohibited from guaranteeing the specific results of a specific account, we can tell you that we have removed thousands of bankruptcies in the past.

  • Is cleaning my credit report legal?

    Absolutely! It is because it is legal that we are able to do what we do, for we use the laws that protect you, the consumer, and that regulate the credit bureaus and the companies that furnish information to them to accomplish our work. You are given certain rights under the Fair Credit Reporting Act and other laws, and we offer our experience, expertise, and services to help you assert these rights.
    The credit bureaus would like to have you think otherwise, but the truth is that the Congress, when enacting the Credit Repair Organization Act stated that consumers have a “right to seek help from Credit Repair Organizations”.

  • Does it matter which state I live in?

    No. The laws that regulate the credit bureaus and your creditors are mostly federal law. We have clients nationwide. Your rights are the same whether you are in Alaska or Alabama.

  • Should I still pay my bills?

    We would never advise not paying your bills, but that issue is between you and your creditors. We work on what appears on your credit reports and leave the issue of your current payments up to you. Although related in some ways, your bills and your credit are not the same thing.

  • If I keep paying my bills will that raise my credit score?

    Paying your bills on time should do nothing but help your credit score. Many of our clients are trying to buy a home, refinance a home or qualify for new credit. Good payment histories will help you do all of those things. We often tell people that while we work on the past you should be working on the future.

  • Can a bad credit mark actually be deleted?

    Yes, they most definitely can be when they are found to be inaccurate, outdated, unverifiable, misleading, obsolete or legally lacking in some other way. Although the credit bureaus would have you think otherwise, we have seen literally thousands of deletions ranging from bankruptcies to late payments.  Just take a look at our testimonials and see actual credit reports and bad credit marks that have been deleted. We are the good at what we do and we are consistently researching new case law, amendments and methods that help us continue to be the best in the credit repair industry. That is why we back our service with our money back guarantee.

  • What is a credit score?

    A credit score is a number that reflects your risk level, as an individual consumer, as determined by a scoring model or formula. The higher the number, the lower the risk will be to the lender. As you apply for increased credit or attempt to make a purchase, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or purchase you requested. The score generally ranges from 350 (lowest) to 850 (highest).

  • What kind of information will be on my credit report?

    Credit reports contain a listing of some or all of your credit accounts that have been active at some time within the last 7 years. They also contain any public records (Chapter 7 bankruptcies are reported for 10 years), current and previous addresses, current and previous names, a listing of potential creditors who have received your credit file and other miscellaneous information the credit bureau has about you. Each account listing generally has your account number, the credit limit, your current balance and your previous payment history. This payment history can contain notes of late payments, any collection or transfer history, whether the account was included in bankruptcy and the current payment status of the account.

  • How much bad credit does it take to be denied credit?

    Even one small late pay listing may result in credit denials. Any negative credit whatsoever can become a substantial credit obstacle. There are also other factors that will play into the decision of the lender. What is your debt to income ratio? How long have you been with your current employer? The exact criteria used for granting or denying credit varies from lender to lender, but any negative/bad credit remark on your credit report may be enough to deny you credit.

  • Who looks at my credit report?

    Lenders, property managers, insurance companies, prospective employers, companies which you presently have a credit relationship with and anybody with a permissible purpose who wants to know who you are can get access to your credit file. In many situations your credit report will actually become your identity. People will know you not by who you are, but by what is reported about you from the credit bureaus. Obviously, those reports can be extremely damaging especially if they contain incorrect, misleading or obsolete information.


Building Credit

  • How do we build credit files?

    We build personal credit by adding tradelines to each individual credit file.

  • How long does building credit takes?

    Building credit usually takes 30 days, rarely 45 days.

  • What are the difference in each package?

    We offer 3 types of packages “Bronze Silver Gold”. Each package is made of unique tradelines and prices to fit your budget. Choose a package
    you are interested in and let us do our job by getting you that credit score, you’re paying for.

  • Does the package includes personal funding?

    No, we charge additional fees for personal funding. The package only guarantee that you can get up to the amount of funding listed.

  • What is the backend special?

    The backend special is typically a promotional offer. It allows you to repair you credit, build your credit, and get personal funding without paying any money upfront. You will be charged with a backend percentage of 30% once all 3 services are completed.

  • Can I get the backend special without personal funding services?

    No, typical because once all 3 services are completed, you will have to agree to the terms of paying us with 30% of your personal funding (Credit Cards, Personal Loans, and Car Loans).  

  • What are tradelines?

    Tradelines are credit account records that are provided to credit reporting organizations. A trade line, also spelled as tradeline, can include a mortgage, line of credit, credit card, or any other credit-related item that is provided by a financial institution or lender.

  • How do tradelines raises credit scores?

    Adding a tradeline, sometimes referred to as authorized user tradelines for seasoned tradelines, is a process through which individuals purchases an aged credit lines in order to boost their credit score by piggybacking off of the account in good standing. This is possible because of the creditors generally furnish all information to the credit bureaus of an individual listed as an authorized user on any given tradeline. In addition, FICO® digests this newly added credit and recalculates your score.

  • What do tradelines look like?

    As stated above, tradelines are simply account appearing on your credit report. Below is an example of tradelines listed on a consumer’s credit profile.

    There are different types of tradelines, such as revolving, installment, auto, mortgage, etc. Under the FICO® credit score, the largest portion of the score is made up of revolving lines, which is about 40% of your score. Most of our lines are revolving so that you can make the largest positive impact on your credit score.

  • How safe is my information once given to your company?

    Your information is 100% safe. Your information is NOT shared and/or sold to any 3rd party distributor. All of our trade lines are in-house,
    owned by the principals.

  • Is this legal?

    Yes, it is completely legal. This technique has been used for years by mortgage brokers, bankruptcy lawyers and real estate agents to help their clients establish trade line accounts with history, to boost their credit score. Please Read the 1974 Equal Credit Opportunity Act, for the legal statutes and codes.


PERSONAL FUNDING

  • What is Personal Funding?

    Personal funding are funds that you have access to by having good credit.

  • Why should I pay for Personal funding service?

    WE KNOW ALL THE RIGHT CREDIT CARDS THAT WILL GIVE YOU THE HIGHEST CREDIT LIMITS. ALL FUNDING WILL BE COMPLETED IN 5-7 BUSINESS DAYS. YOU PAY NO MONEY UPFRONT.

  • Can I do my own funding?

    Yes, but we can not guarantee that you will get the funding listed on your package. Also, you will not have to pay a 10% backend fee for our personal funding service.

  • How is our Personal Funding Service?

    We charge a backend fee of 10%. Meaning if we are able to get you up to $90,000 in funding, we take $9,000 for our service and the remaining $81,000 is yours.