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We can only make guarantees about what we will do. We cannot guarantee a specific result as far as your credit score. We also cannot guarantee that certain items will be removed.


What we can guarantee is that we will:


  1. Vigorously dispute inaccurate, unknown, and unverified items on your credit report with the objective of getting these items deleted

  2. We will be available to meet one-on-one with you on a monthly basis to discuss your progress

  3. We will complete a forensic review of your credit report determining strengths and weaknesses according to the FICO Scoring Model. We will then develop a plan to help you accentuate the positive and eliminate or reduce the negative.

  4. Help you to Add positive credit, if necessary. We have researched and identified a number of banks, creditors and vendors that specialize in giving those with challenged credit new accounts. We know where to go, when to go, and how to go, to help you establish the credit you need to increase your credit score.

  5. Assist you in managing your open accounts through counsel, coaching and application.

  6. Train you so that when you leave our program you are thoroughly knowledgeable on how to maintain your high credit score.

  7. That if you are not happy with our program you can receive a refund in accordance with our refund policy, and that you can stop your program at any time without any further obligation

We offer a no-risk refund policy which entitles you to a refund of some or all of your fees if enough disputed items are not deleted or your credit reports have not improved despite your close participation. Should you be dissatisfied with the results of our service after having been a participating client for at least twelve months you may request an evaluation of your account. We will calculate the total value of all successfully deleted or improved items at $100.00 per item, and compare that to the total amount you have paid us. If what you paid exceeds the value of the deleted and improved items, we will reimburse you the difference.

Note that the refund policy requires you to have given us the opportunity to dispute questionable negative items on your credit reports for 12 months. This is due to the fact that the credit report repair process can be extensive and time-consuming, and requires your active participation. A 12-month period represents a reasonable time frame for the average credit report repair process.

Please remember that it is your responsibility to forward to us, on a regular basis, updated credit reports and letters from the credit bureaus during the course of your service. However, if despite your active participation you fail to see any positive results, we will reimburse the difference as outlined above. In the final analysis, you should not have to pay for ineffective service.

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