Q: How quickly can I raise my credit scores?

A: This depends on your situation and what you may need to do to improve your scores. There are several factors to consider and everyone’s situation is different. This question can be addressed more clearly once we have reviewed your credit reports.

Q: Do I really need the Credit Score Game Plan?

A: Unless you know everything about credit and how credit scores work, then yes, you should. Once we have reviewed your credit reports, we will use our 16 years of experience to create your Credit Score Game Plan that outlines what needs to be done and points you in the right direction to improve your scores. $69 is a small price to pay for a resource that can help you improve your scores, achieve your goals, and save money from paying high-interest rates.

Q: Do I need to pay my unpaid collections?

A: A collection or charge-off account that is reporting and updating each month will need to be paid.

1) According to the Credit Repair Organizations Act, “Neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.”

2) If someone guarantees you the removal of a verified unpaid collection or charge-off; they are not in compliance with the law. A) by law they cannot make such a guarantee and 2) refer to #1.

3) If the debt is valid then you owe the debt. Depending on the Statute of Limitation, the creditor could file a suit against you to obtain a Judgement, which can lead to wage garnishment or worse, a levy placed on your bank account.

The only way to legally remove valid debt from your credit report is through Bankruptcy in which we suggest speaking with a Bankruptcy Attorney.

Q: Can you remove negative accounts from my credit reports?

A: The credit reporting agencies determine whether an account is removed or remains. All we can do is dispute the account if it qualifies to be disputed and have the reporting agencies verify its legitimacy. If the item is unverifiable, by law it should be removed.

Q: Can you dispute accounts for me?

A: If you don’t have the time to research and dispute qualified accounts on your own, we can do it for you for $39 per month. You may cancel the service anytime.

Q: Why is your monthly dispute fee so low compared to others?

A: We believe $39 per month it a fair and affordable price. Others may charge higher fees by enticing consumers with promises or guarantees (which they are not supposed to do). There is no secret sauce when it comes to disputing. Anyone who disputes (including you) must do so in accordance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).

Q: How do I know if you are a legitimate business?

A: We have been helping our clients for over 16 years, we are accredited with the Better Business Bureau and we are A+ rated.