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Tired of living with Bad Credit?​

We can help!


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Frequently asked questions

  1. Q

    Is credit repair legal?


    Absolutely! Under the Fair Credit Reporting Act (FCRA), consumers are given the right to challenge or dispute inaccurate, unverifiable, misleading and obsolete information on your credit report. By contracting with we perform this service for you by using our expertise and knowledge to maximize results and reduce the amount of time it takes individual consumers who choose to perform this service on their own.
  2. Q

    How does our service work?


    Our service works by working with the creditors and credit bureaus to find legitimate reasons to have incorrect, unfair, or questionable items removed from our clients' credit reports. Often, we can find violations of certain requirements of those creditors. If we do, we leverage those violations as a way to get the creditor or bureau to remove the item in question.
  3. Q

    Do you guarantee the removal of derogatory or negative items?


    We do not guarantee the removal of negative information. As a matter of fact, any company that makes such a claim is in clear violation of the Credit Repair Organizations Act and you should not do business with them. has been extremely successful in removing unverifiable, inaccurate and incomplete negative information from our clients credit reports having an overall 70% success rate or better!
  4. Q

    What items can be removed?


    This is a tricky question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories.
  5. Q

    How much will my score go up?


    As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor." Meaning, anything can happen during this process. You might get new late payments, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! is hired only to help remove items from your report that you wish for us to work on.
  6. Q

    How long will the process take?


    Everyone wants results immediately! However, everyones credit report is unique and very different; therefore, the results and time it takes differs with each client. We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 3 to 6 months. However, this is not saying all items will be removed in that time frame or that all items will be removed at all. This is just the usual time frame people choose to stay in our program. Since we do not charge deletion fees until we achieve results, we work to achieve those results as fast as possible.
  7. Q

    Can I do this on my own?


    Certainly! It is plastered all over the internet, you can repair your own credit! At we provide a solution that is inexpensive, straightforward and efficient. If you feel that you are up to the task and want to tackle it on your own, go for it! If not, we are ready and willing to do all we can to earn your business and will gladly perform the service for you.
  8. Q

    What if the negative items on my credit report are really mines?


    Even derogatory items that belong to you must meet strict legal guidelines. Just because something is added to your report doesn't mean it complies with the law. If the creditor can't verify the account and correct the errors it's on your credit report illegally.
  9. Q

    What are all the cost involved?


    For our credit repair services costs, please refer to our pricing definition section. This section will serve to inform you of all other associated costs. These costs may include: Credit monitoring account will cost roughly $40/mo. Postage. Some letters are recommended to be sent certified. You are responsible for those costs. Please refer to the Pricing page for postage cost. Refer to the contract for Fees for non-compliance.
  10. Q

    Why do I have to have a monitoring account?


    Credit repair is kind of like getting your car fixed… The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit “hood”. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed. Keeping a monitoring service is a requirement of our service. As per our Terms of Service, failure to keep an active monitoring account could result in a $100 cancellation fee.
  11. Q

    Why do I have to prove my identity?


    The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don't supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Please refer to the ENROLL NOW page for acceptable documents.
  12. Q

    Is there any way to speed up the process?


    We want this service done as fast as possible. Think about it, we don't get deletion fees until items are removed. We would love for there to be a legal way to make things "disappear" in seven days. However, it just doesn't exist. Now for a little more detail... From the time the credit bureaus receive your dispute, they have 30 days to respond. This leads some people to believe that if it has been more than 30 calendar days, then they MUST remove those items. This is simply not the way it works. There are sections of the law that allow them additional time under certain conditions.
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