Credit repair FAQ

1. Can't I repair my own credit instead of paying your company to do it for me?
We compare it to representing yourself in a court of law. You can do it, but it would not be wise. We know how credit agencies work. Our experience and knowledge of credit laws help us get fair result for our clients.

2. Are there any guarantees that my credit score will improve?
Although we cannot guarantee your credit score will improve, we will do everything we can to fight the credit agencies and clean up your credit report. In almost every case, negative items are removed from, and credit scores increased by 50 to 100 points.

3. How long will the process take?
Most clients see positive results in 75 days or sooner.

4. How much will it cost?
Full-service credit repair - $50 per trade line.

5. What does my credit score mean?
There are three main credit bureaus: Experian, Equifax, and Trans Union. With a tri-merge credit report - a report containing a score from all three major bureaus - most lenders look at the mid-score. For example:

In this case, 717 would be the mid-score.

These scores represent a composite of the borrower's credit history, employment, ability to save, and so on. The higher your score, the better chance you have of receiving credit with a low interest rate.

6. How does my credit score affect my interest rates?
For an average $216,000 30-year fixed rate mortgage (Rates are not current. Example only):

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