It is your right and responsibility to ensure the accuracy of the items on your credit report. If the information recorded on your credit report does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you the legal right to dispute inaccurate items on your credit report with the credit bureaus and your individual creditors

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances, but it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. The two main factors are: (1) your financial situation and/or (2) the timeframe in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific timeframe, the negative item may be removed.

We will guide you through the process from start to finish and prepare all your documents for you. We have superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you remove negative information on your report, enabling us to offer you a flawless, money-back guarantee system.

Unfortunately, since every credit report is unique, there is no way to predict how long it will take to repair your credit. Having said that, we help hundreds of thousands of people each year in working to restore their credit, and they typically stay with us for six months. With our team of professionals, our removal process is streamlined to get you results.

Yes, we can suggest that you open specific accounts based on your credit profile.

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right, and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

Items cannot come back as long as the item is current or paid at the time of removal, or if the collection is older than three years. This holds true except in very rare circumstances.