Frequently Asked Questions

DOES CREDIT REPAIR WORK, AND HOW LONG DOES IT TAKE?

The majority of our clients see resounding improvement in their credit profiles in as little as 40 days. No ethical company can 100% guarantee your success, but in the vast majority of examples, we have been able to help our clients significantly improve their credit scores where most companies take years to accomplish what we can in just a few short months.

IS CREDIT REPAIR LEGAL

Yes! Ethical credit repair companies utilize 100% legal strategies to IMPROVE YOUR CREDIT profile. We pride ourselves in being bonded and licensed in the State of Texas!

WHAT DO I NEED TO SUBMIT TO GET STARTED?

After the initial consultation, if you would like to hire our services, we can create a Credit Audit & Analysis for you. This will include reviewing your most recent credit reports from Equifax, Experian and TransUnion. We will go over these with you item by item and identify items(s) that could be either inaccurate; outdated; or possibly unverifiable. We set up your Client Portal (so you can see any future results of the process for yourself) and we create the first round of disputes to be sent out.

HOW OFTEN DO YOU SEND OUT DISPUTES?

We send out disputes every 30-45 days from the time we receive the responses from the credit bureaus; creditors; and/or collection agencies. Seeing that these responses will be sent to you (and not to us), it is very important that you send the responses you receive to our office as quickly as possible so we can send out the appropriate responses in a timely manner. Without your cooperation (sending the responses you receive to us), the disputing process can be delayed. Please get the responses to us quickly so we can help you improve your credit scores!

WILL EVERYTHING BE REMOVED FROM MY CREDIT REPORTS?

Unfortunately, some items can not be removed from your credit report(s). At that time, if applicable, we may advise you to settle with the furnisher of the negative items, whether that furnisher is the creditor or the collection agency. Also, in the event that the items ARE NOT removed, sometimes it may best to settle with the creditor or the collection agency. The reason being is that there's a possibility that the deleted account(s) could be sold to another collection agency and that subsequent agency could reenter the negative information back onto your credit report(s), thus making your credit score possibly drop.

HOW LONG WILL IT TAKE TO SEE ANY CHANGE TO MY CREDIT SCORE?

Although we will do our best to get this done for you as quickly as possible, we have no control over the postal service; over the credit bureaus; over the creditors; or over the collection agencies. On average, you may see changes to your credit scores in about 30-45 days.

*Please understand that this is a time-consuming process (30-45 days per round on average). We truly appreciate your patience during these time periods.

Refund Policy