Frequently Asked Questions
What are the best ways to improve credit rating through credit repair?
Disputing questionable items and hopefully deleting them from your credit report will definitely help your credit rating improve.
When do I pay for your services? Before or after the completion?
After. we apply credit repair charges only after our work has been done.
Credit repair charges are applied only after all the work is done to prepare and submit your disputes to the credit report agencies.
Can I fix my credit on my own?
Yes. You have the right to try to do the disputes yourself and to contact all the credit agencies directly. However, our customers prefer to work with our company because to our extended experience and and our professional staff. But if you want to do it yourself, we highly recommend and encourage you to contact the 3 reporting agencies directly and try to do the disputes yourself. You can get information on the Fair Credit Reporting Act for more support on your rights as a consumer.
Do you generate “new” identities or credit reports for your customers?
No. It’s against the law to make “new” identities or credit reports for people. This is a felony charge that can result in fines and/or imprisonment. Beware of establishments who may hint to do that.
Do you encourage to challenge all the negative items in credit reports in spite of their accuracy?
No. We encourage you to dispute only the questionable items. You have the right to dispute questionable negative items and any credit data you think to be inaccurate, incomplete, unverifiable, or obsolete.
Can I get a better interest rate for a mortgage loan or refinance with a better credit score?
Yes, you can save thousands of dollars on interest charges if you repair your bad credit.
How can I get free copies of my credit reports from all 3 major credit agencies?
The free site is : AnnualCreditReport.com, (official site for consumers to get all 3 credit reports once every 12 months.) however they do not give you the scores.
For FICO score you can visit: www.myfico.com
Or get your 3 reports and scores from:
identity.wellsfargoprotection.com and other sites such as CreditKarma.com.