FAQs
Credit restoration is a service provided under the CROA that allows credit restoration service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
While timelines vary and no specific outcome is guaranteed under the FCRA, our process is designed to work systematically over several months. The legal dispute process typically allows credit bureaus 30-45 days to investigate each dispute. Credit repair is not an overnight solution, but a strategic process. We stand by our service with a money-back guarantee if no positive changes are made after 180 days of active work.
Most credit repair companies try to get you to make untrue statements such as "this account is not mine" or "I was never late." This is yet again a violation of the CROA. Our processors will NEVER ask you to make a statement to any credit bureau or creditor that is not true. First, because it is illegal, and second because those tactics simply don't work very well. Our service helps identify items as inaccurate, outdated, or unverifiable, as well as finding mistakes and violations by creditors in the credit reporting process. Many times when presented with these violations, the creditor will choose to remove items as opposed to deal with complaints to state and federal regulatory agencies.
As much as I would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the "human factor". We don't know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service.
Some companies try to speed up their service by using on line disputes. There are a whole host of reasons NOT to do this. Additionally, you should never dispute on line either. Here's why:
When a dispute is entered on line, it goes into EDRP or expedited dispute resolution process. This sounds great until you read a little further unto the FCRA. It clearly states that if a dispute goes into EDRP then the bureaus do not have to comply with certain sections of the FCRA. Did you hear that? They get to ignore the law! The sections they don't have to comply with are also quite handy in the credit repair process. One section is the "Method of Verification" section. If an item comes back as verified, they don't have to tel I you "HOW" it was verified. Another section is the "Re-Insertion Letter" section. Usually, if an item is deleted, there are steps the bureau must follow in order to be able to re-insert that item. One of these steps is to send you a re-insertion letter before placing the item back on your report. The simple cost of creating and sending this letter drastically limits the amount of re-inserted items. If an item is processed under EDRP, THIS LETTER IS NO LONGER REQUIRED! They can just put the item back whenever they get good and ready.
Just take our advice ... Don't dispute on line.
Nothing! We manage your credit repair fully, so you can focus elsewhere. The only request we have is for you to not apply for any accounts while in the program. Please ensure timely payments, avoid overspending on your credit cards, and let us know if you wish to settle any accounts. Following these guidelines will ensure a smooth experience.