Frequently Asked Questions
Learn more about us and the credit repair process.
How can you help me?
We offer two benefits to our clients. The first and primary benefit of joining our program is that we create and send specialized disputes on your behalf that are targeted to remove your specific negative items. Most consumers can get the loans they need by having a clean credit report. The second benefit is that we’ll help you build positive credit history if you have a lack of it. These two services combine to help you get qualified for the money you need.
How long does it take to fix my credit?
This is the most frequent question we get, and unfortunately there’s no straight-forward answer to it. The reason there’s no clear answer is because it’s entirely dependent upon the companies that own your debt (creditors and collection agencies) and how they deal with our disputes internally. There are tens of thousands of these companies and each one is run differently from the next. While the ones that own your specific debt may respond positively to our disputes and delete your items within 30-45 days, others can take longer. While there is variance in the timeline, we do see, on average, a 103 point increase for our customers over a 6 month period.
What items can you delete?
The most common items we delete are collections & charge offs (loans, student, medical, credit cards, utility bills, phone bills, and anything else belonging to a collection agency), public records (bankruptcies 7 & 13, judgements, tax liens state & federal), late payments, child support, repossessions, foreclosures, inquiries, personal information, and more. Over the years we have deleted every type of negative item imaginable.
Which companies do you delete negative information from?
We delete negative items from the major 3 Bureaus: TransUnion, Equifax, Experian. We also delete information from ChexSystems for clients that need help with bank accounts.
Who are these Bureaus and why do they matter?
When you go to a lender seeking a loan they pull your credit reports to help them make an educated decision on if they should give you money. The information on your credit report is bought by these lenders from the Bureaus. Just like you pay a monthly fee to subscribe to Netflix to watch your favorite shows, lenders pay a monthly fee to subscribe to TransUnion, Equifax, and Experian to pull your credit reports.
Is what you do/credit repair legal?
It is 100% legal. The FCRA and FTC grant you, the consumer, the right to challenge all items on your credit report. We’ve helped our clientele qualify for home loans, car loans, credit cards, jobs, and more, since 2001, and there are hundreds of reviews online about our service. We operate under the Credit Repair Organizations Act (CROA) and adhere to all guidelines therein.
Do you offer any kind of guarantee?
Yes. Because of the nature of credit repair and the fact that we cannot, by law, guarantee you results, we provide a 100% money-back guarantee in the case that we’re unable to delete any negative information from your credit reports after 90 days of service.
What’s a FICO score and why does it matter?
FICO scores are included in the reports that lenders get from the Bureaus. A FICO score uses a proprietary algorithm (created by a company called FICO) that generates a score based on all of the items on your report. It’s a way for lenders to get a quick idea of how big of a risk you are to loan money to without having to go through all your reports line by line. Keep in mind that there’s not just a single FICO score; there are many FICO versions that are all slightly different. On top of that, each Bureau has their own slightly modified versions. Just be aware that you may get FICO scores from different companies that are slightly different.
What areas do you service?
The majority of our clientele come from the greater New York City area: Manhattan, Bronx, Brooklyn, Queens, Staten Island, Long Island, Jersey City, Newark, et al. We provide in-person audits at our office: 234 5th Ave #200, New York, NY 10001. To schedule an appointment please call (212) 658-1116, 8am-5pm EST
How do I use a referral code or coupon code?
Once signed up, send us an email to [email protected]
and we’ll make sure it’s applied. If you’re being referred by a mortgage broker or other business, we need the name of the person who provided you with the code as well.