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| FAQ’s |
What risks are involved?
None. You have nothing to lose except your BAD credit! We have a refund policy in place in the event that we are unable to help you. We can proudly say that we have NEVER had to issue a refund! |
Why should I do it?
The answer is simple. Good credit is essential in everyone’s life. Your credit determines if you are approved or denied, how much money you can borrow and at what interest rate. Your credit is also reviewed for employment, insurance and utility purposes. Negative information remains on your credit report for a 7-10 year period from the last date of activity and will cost you thousands of dollars in higher interest rates. This can be embarrassing when you go to apply for financing and get turned down because of something on your credit file. By signing up with us you will save not only thousands of dollars in high interest rates, but the headache, stress and embarrassment of being turned down wherever you go. |
How much bad credit does it take to be denied?
A simple late payment in some cases can get you denied for new credit. There are lots of factors like income, credit history, balances being carried on credit cards and number of credit cards that you have, but getting the derogatory items removed is one of the most important step you can take in increasing your chances of approval. |
What are your rights?
You have the right to challenge any of the items posted on your credit report based on a law called the Fair Credit Reporting Act (FCRA). The FCRA was established to provide a remedy for consumers on behalf of poor credit keeping against a consumer on their credit report. This act requires that the credit bureaus remove all inaccurate, outdated or unverifiable information from your credit report. This law gives you the right to an accurate credit rating and to exercise the right by having questionable credit items either verified as accurate or removed from your credit reports according to this law. |
| You might have assumed that there is an agency out there to monitor all of these companies to protect your rights. The reality is that there is no such agency. That is why we are here to do what we do! |
How do you do this legally?
Although some people and the credit bureaus would like you to think that our
service is illegal, there is absolutely nothing illegal about disputing
questionable information on your credit report. Fixing your credit is your
right under Federal Law. |
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