Frequently Asked Questions

Q: How do you raise my credit scores?

A: We do not raise your credit scores. You do. All we (or anyone) can do is to educate, coach and guide you. Companies who promise or guarantee to raise your credit scores are most likely a scam. By law such promises or guarantees are prohibited.

Q: How does your program work?

A: We start by reviewing your credit reports to determine what factors are impacting your credit scores. From your reports, we will create your Credit Score Improvement Plan that outlines and prioritizes the action needed to align the factors and improve your scores.

The key is to follow our advice, take the right action, and stick to working on the plan.

Q: What is the difference between the Credit Score Improvement Plan and the Disputes?

A: The Credit Score Improvement Plan is created after reviewing your credit reports. It’s a written plan (one that you can refer back to) that considers all the factors impacting your scores and it explains what you need to know, and prioritizes what needs to be done, to improve your scores to 700 and beyond. 

The disputes are the account challenges that we do for you with the credit reporting agencies.

Q: How quickly will my credit scores improve?

A: This all depends on several factors that can impact your credit scores. It depends on the action needed, and your ability to take the action. We will not know this until we review your credit reports and create your improvement plan.

Q: Can you dispute items on my credit report?

A: Yes. If you don’t have the time to research and dispute them on your own, we can do it for you. Again, there are no promises or guarantees that any items will be removed. It is up to the credit reporting agencies and the verification process.

Q: What is your guarantee?

A: No one can promise or guarantee results such as a credit score increase or credit report account removals. By law this is prohibited.

What we can promise you is that if you follow our advice, take the right action and stick to working on the plan your scores will improve.

Q: How can I trust you when I have been scammed by other companies?

A:  If you were scammed it’s most likely because the company that you worked with hooked you by making promises or guarantees, which did not happen. Again, by law such promises or guarantees are prohibited.

We are not new at this. We are a legitimate business that has been helping our clients for over 17 years. What makes us different is that we genuinely care. We are honest and straightforward. Understanding, compassionate, and non-judgemental. We will tell you exactly what needs to be done to improve your scores. We are not going to tell you what you want to hear just to take your money.

Q: Do I really need a Credit Score Improvement Plan?

A: Do you understand all the factors involved with credit scores and the role that each factor plays? If your answer is “no” then yes, a Credit Score Improvement Plan will benefit you.

Q: Can unpaid collections and charge offs be disputed and removed from my credit reports?

A: Unless you can prove the unpaid account does not belong to you, the answer is no.

  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. No one can guarantee removals.

  3. If the debt is valid then you owe the debt. Depending on the Statute of Limitation in your state, the creditor could take legal action against you, which could lead to wage garnishment or worse, a levy placed on your bank account.