We help everyday consumers improve credit worthiness, increase purchase power and get approved faster all by simply shifting the way you view good credit and here's how we do it...
Credit Repair Online Overview
Gather your data from all 3 credit reports: Experian, Equifax and Transunion.
You have to get this from a "PAID" credit monitoring service because they provide all 3 reports, 3 scores and monthly updates you can access through our recommended free resources as we work your file through the credit repair process.
Initially, you CANNOT USE CREDIT KARMA: Credit Karma is a good free service but they don't provide all the data points needed to properly repair your credit.
If you don't have a paid credit monitoring service we will recommend the one we use after you sign up.
We will work on your negative information reported (inaccurate, unverifiable, un-validated, outdated and unfair) on all 3 credit reports. We'll look for name misspellings, often when family members share similar names. Duplicate accounts. Fraudulent accounts, especially if you’ve been a victim of identity theft. Information or accounts from an ex-spouse. Incorrect payment status. Outdated information, like negative accounts over seven years old.
The negative information that is NOT VALIDATED will be removed off your credit reports according to the current laws.
(Please Note: the credit reporting agencies are not owned by the same people. Sometimes an inaccurate account will be deleted from 1 or 2, and sometimes all 3 credit agencies. If a deletion happens on 1 or 2 then we have to continue working to getting the inaccurate account deleted of the 2nd and/or 3rd agency.
And, any negative item(s) that are "VALIDATED" we will help you settle those accounts at a discount to keep money in your pocket.
- Remember credit repair is legal and is a process that takes time.
After all negative information is deleted or resolved with settlements. We will show you ways to increase your credit score.
If you still have open credit such as auto loans, mortgages, utility bills, credit cards or department store cards you’ll want to continue paying those accounts on time each month because it will help your score increase faster as you move through the credit repair process.
You’ll receive results every 30-45 days from all 3 credit reporting agencies. Depending on the results and current good accounts you’ll see your score increase, stay the same or decrease and the decrease is usually temporary.
After everything is resolved your score will only increase unless you are late on payments or get too many new inquiries.
How fast is the credit repair process? If you don’t have “VALIDATED” collections you could be finished within 3-4 months.
If settlements are needed it could take 6-12 months depending upon how much and your financial situation.
Click here to see client results
You'll have several options for your customer service needs.
Once we determine services are right for your specific needs, we make the signup process very easy. If you know how to use a cell phone you can get everything needed in 5-10 minutes.