Credit repair involves the process of identifying and disputing inaccurate or unfair information on your credit report. Our goal is to help improve your credit score by working to remove or correct negative items like collections, late payments, charge-offs, and inquires.

The credit repair process typically takes between 3 to 9 months, depending on the complexity of your case and the number of items being disputed. While some clients may see results sooner, patience is key as each credit bureau operates on its own timeline.

 We can help remove or correct a variety of negative items including:

• Collections
• Late payments
• Charge-offs
• Bankruptcies
• Foreclosures
• Repossessions
• Judgments
• Inquiries

However, the success of removals depends on the validity and accuracy of the information. 

We guarantee that at least 60% or more of the negative accounts reporting to your credit reports will be removed. We can promise to work diligently to dispute inaccurate or unfair items on your credit report. Every case is unique, and we provide regular updates and reports to show progress. 

In most cases, once an item is successfully removed, it does not return. However, if the creditor or collection agency can verify the validity of the item with accurate information, it may reappear. If this happens, we will re-dispute the item on your behalf. 

Improving your credit score increases your chances of being approved for loans, credit cards, or other financial products. While we work to remove negative items, it's also important for you to maintain good financial habits, such as paying bills on time and keeping credit card balances low.

Our pricing structure depends on the services you need. We offer several packages tailored to different needs, and we’re transparent about all fees involved. Contact us for a consultation, and we’ll guide you through the best plan for your situation. 

To get started, simply contact us for a free consultation. We’ll review your credit report, discuss your goals, and create a plan tailored to your situation. From there, we will handle the disputes and communicate directly with the credit bureaus and creditors on your behalf. 

No, credit repair does not negatively impact your score. On the contrary, removing inaccurate negative items and improving your overall credit health will likely result in a higher credit score over time. 

Under the FCRA, you have the right to dispute any item on your credit report that you believe to be inaccurate, incomplete, or unverifiable. You are entitled to a free credit report from each bureau every 12 months, and any negative item must be removed if it cannot be verified.