Customer Reviews

Frequently Asked
Questions

Repairing credit isn’t easy, if it was, everybody would have great credit. Credit repair takes time, requires patience, persistence and an understanding of how the law works. That’s where my expertise and experience will best serve you.

First we recommend that you watch the video to see how we work. The video will answer almost all questions you’ll have and help you get to know who we are, and why people choose us. 

Then you’ll need to schedule your complimentary 15 minute credit transformation session.

You’ll need to forward us the most recent copy of your credit report before your scheduled phone appointment. If you don’t have your credit report, you can order it here. Forward a copy of your credit report or the login information for your credit monitoring company.

After your consultation, If we mutually decide we’re a good fit to work together, we’ll move forward.

Now you’ll need to choose which of the four transformation plans is right for you. But we’ll make a professional recommendation based on our assessment of your credit report and determining what your needs and goals are.

Once you enroll online or by phone, within twenty four hours we’ll setup your private secured online client portal, where you can track your progress at any time, upload results you’ll receive from the credit agencies by mail and submit your questions or comments whenever you need to.

Within thirty five days after the day you sign up you’ll receive results from the credit agencies and creditors by mail. You can expect a get monthly update call and report from your assigned coordinator to update you on the progress of your case. 

By your second round, within 60 days you should see a noticeable change in your credit report. All negative accounts that still remain, we follow up and dispute again. Sort of like a game of chess, we determine which dispute method we’ll use based on the responses from the credit reporting agency or creditor and the law that they’re violating, if it applies. 

You should expect between a 4 – 6 month minimum participation to experience the full effectiveness of our Complete Credit Transformation Process. The road to better credit takes time, lots of effort and utilizing the help of someone who is knowledgeable with consumer protection laws like the FCRA but also knowing how and when to dispute.

We have four plans. We’ll give you a professional recommendation once we review your credit and find out what your goals and needs are so you get the best possible results.

Standard Plan

This plan is for anyone with negative accounts like collections, charge-offs, late payments, inquiries and incorrect or outdated personal information that must be updated. If you sign up for the couple plan, you’ll only need to pay the monthly cost of the “Individual” plan if only one of you has completed the credit repair process and the other spouse is still going through the process.

This plan includes:

  • Line by Line credit audit
  • Unlimited credit bureau disputes
  • Unlimited credit inquiry disputes
  • Personal information update & correction
  • Goodwill interventions for late payments
  • Track your results online 24/7
  • Cancel anytime (month to month)
  • Lifetime warranty on all deleted accounts


INDIVIDUAL

$199 audit + setup
$99 per month

COUPLE
$299 audit + setup
$189 per month



Premium Plan (All features of the standard plan and more…)

This plan is for anyone with more than 30 negatives combined between all three credit agencies, or any type of repossession or public records such as bankruptcy, tax lien or foreclosure. If you sign up for the couple plan, you’ll only need to pay the monthly cost of the “Individual” plan if only one of you has completed the credit repair process and the other spouse is still going through the process.

This package includes:

  • Line by Line credit audit
  • Unlimited credit bureau disputes
  • Unlimited credit inquiry disputes
  • Personal information update & correction
  • Goodwill interventions
  • Direct to creditor disputes
  • Track your results online 24/7
  • Cancel anytime (month to month)
  • Lifetime warranty on all deleted accounts


INDIVIDUAL

$299 audit + setup
$129 per month

COUPLE
$399 audit + setup
$189 per month



Premium Plus Plan

This plan is for anyone with more serious negative accounts covered in the premium plan but additionally, you may lack a credit history or you need to raise your credit score significantly (25 – 75 points) to qualify for a home, business or auto loan and you need to expedite your process. If you sign up for the couple plan, you’ll only need to pay the monthly cost of the “Individual” plan if only one of you has completed the credit repair process and the other spouse is still going through the process.

This package includes:

  • Line by line credit audit
  • Unlimited credit bureau disputes
  • Unlimited credit inquiry disputes
  • Personal information update & correction
  • Goodwill interventions
  • Direct to creditor disputes
  • 5k, 3 year card with perfect pay history
  • Track your results online 24/7
  • Cancel anytime (month to month)
  • Lifetime warranty on deleted accounts
  • 6 months of unlimited credit bureau disputes


Payment Option 1

$1798 Total  ($201 savings)
$899 1st payment due today
$899 2nd payment due in 30 days

Payment Option 2
$1998 Total
$499.50 1st payment due today
$499.50 every 30 days (3 more payments)



Maximum Credit Transformation

All features of the standard, premium, and premium plus plan and much more…

This plan is for anyone with more serious negative accounts covered in the premium plan but additionally, you may lack a credit history or you need to raise your credit score significantly (75 – 125 points) to qualify for a home, business or auto loan and you need to expedite your process. If you sign up for the couple plan, you’ll only need to pay the monthly cost of the “Individual” plan if only one of you has completed the credit repair process and the other spouse is still going through the process.

This package includes:

  • Line by line credit audit
  • Unlimited credit bureau disputes
  • Unlimited credit inquiry disputes
  • Personal information update & correction
  • Goodwill interventions
  • Direct to creditor disputes
  • 5k, 3 year credit card with perfect pay history
  • 5k, 5 year credit card with perfect pay history
  • Track your results online 24/7
  • Cancel anytime (month to month)
  • 6 months of unlimited credit bureau disputes
  • Lifetime warranty on deleted accounts


Payment Option 1

$2198 Total  ($201 savings)
$1099 1st payment due today
$1099 2nd payment due in 30 days

Payment Option 2
$2399 Total
$599.75 1st payment due today
$599.75 every 30 days (3 more payments)

We recommend that you expect between a 4 – 6 month minimum participation to experience the full effectiveness of our Process. On average, our clients credit scores are up 129 points within just 57 days and 79% of all negative items are typically deleted within 6 months. However, you should see a noticeable change within 60 days after you enroll.

The Credit Repair Organizations Act prohibits credit repair companies from making a guarantee. But to protect you and your investment , we give you a one of a kind triple warranty. If working with us doesn’t benefit your credit rating, we’ll give you a full, hassle-free refund. Period.

Here’s the details on our industry-famed triple-warranty:
If, after 90 days of service…

1. You have no items removed from your credit report…
2. Your credit score has not increased…

We’ll offer a full refund upon request – no questions asked.

And finally, our LIFETIME guarantee:

3. If any of the negative items we successfully dispute and have removed from your credit report show back up at ANY time,

We’ll dispute it again, free of charge, no questions asked.

This guarantee is our motivation to do an extremely thorough job for you. If, because of what we do, your credit rating goes up (and stays up), we know we’ve done our job. If it doesn’t, you pay nothing.

Our huge success with getting great results is mainly due to our unique approach. Unlike most companies when we repair credit we work on all five factors that make up your credit score – as opposed to just sending out disputes to the credit agencies, which only addresses payment history, which is just one of the five factors. 

Our credit consultants are trained, experienced and knowledgeable about federal laws like the Fair Credit Reporting Act and Fair Credit and Billing Act which can be used as leverage to remove inaccurate, outdated, unverifiable negative accounts that are harming your credit and hurting your credit scores. 

Credit problems can cause stress, so we do our absolute best to provide you the best results and support you with excellent mind blowing client support. Your personal information is protected by the highest possible security encoding, to be certain that your privacy is protected. 

An assigned personal client coordinator will work closely with you to support and guide you, throughout the process. We’ll also provide you effective, easy to use tactics for maintaining your credit. We believe that everyone deserves another chance and we want to help you get it.

In order for us to recommend the proper plan that we feel would be most appropriate to improve your credit we’d need to review a recent copy of your credit report . There is no other alternative in order to be able to assist you.

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