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How do I Sign up?

Sign our online agreement and follow instructions to send us your credit reports and ID. A credit specialist will contact you to discuss your credit situation and unique goals and set an aggressive plan into action. We will have your account setup and your first cycle of disputes in the mail within 48 hours.


How do I track my progress?

You will receive (3) updated credit reports in the mail every 30 days. The credit reports will each include an "Investigation Results" page that clearly shows a list of the items investigated along with the result for each investigation. We ask that you email, fax or mail. So we can assist you will the tracking process and help you understand your results


Do you guarantee you can delete everything negative on my credit report?

No one in this business can guarantee that but we are confident that with time and persistence we are usually able to delete the majority of harmful items affecting your credit. The longer you remain a client, the more likely it will be that more of the harder to delete items are eventually removed.


I have old collection accounts, should I pay them off?

Sometimes paying off old debts can reduce your credit score. When you make a payment, it restarts the statute of limitations and creates a new entry scheduled to stay on your credit for an additional 7 years. We would like to review your credit reports and make recommendations based on our findings. Chances are, we may be able to remove the majority of the outdated information saving you hundreds or even thousands of dollars.


What is the FCRA?

The Fair Credit Reporting Act (F.C.R.A.) is a United States federal law (15 USC § 1681) that regulates collection dissemination, and use of consumer information, including consumer credit information.


What is a credit bureau?

used for credit evaluation and certain other purposes, including insurance and employment. Credit bureaus, a type of consumer reporting agency, hold a consumer's credit report in their databases. Credit bureaus have a number of responsibilities under FCRA, including the following:

   1. Provide a consumer with information about him or her in the agency's files and to take steps to verify the accuracy of information disputed by a consumer. Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive one free credit report a year. The free report can be requested by telephone, mail, or through the government-authorized website,

   2. If negative information is removed as a result of a consumer's dispute, it may not be reinserted without notifying the consumer within five days, in writing.

   3.  Credit bureaus may not retain negative information for an excessive period. The FCRA describes how long negative information, such as late payments, bankruptcies, tax liens or judgments may stay on a consumer's credit report — typically seven years from the date of the delinquency. The exceptions: bankruptcies (10 years) and tax liens (seven years from the time they are paid).

The three big credit bureaus: Experian, Equifax and TransUnion do not interact with information furnishers directly as a result of consumer disputes. They use a system called E-Oscar. In some areas of the country, however, there are other credit bureaus. For example, in Texas, if a consumer tries to dispute information with Equifax directly, they must go through CSC Credit Services which is linked to the Equifax database.


What is the difference between FICO score and Vantage score?

The 3 major credit bureaus Equifax, Experian and Trans-Union have been using the information in your credit file to calculate a three-digit FICO score for years. FICO is the score is named after Fair Isaac Corporation, the company that pioneered credit scoring models and sells software to the credit bureaus. FICO scores range from 300-850 and the higher your score the more likely you will be approved and of course, the cost goes down.

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