How can i get a Free copy of my Credit Report?

The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, click the link to visit www.AnnualCreditReport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through www.AnnualCreditReport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.

You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies’ one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.

Please also note that your free Annual Credit Report will consist of a choice between either your Credit Report or your Credit Scores. IT WILL NOT INCLUDE YOUR CREDIT REPORT AND SCORES.

Is Credit Repair legal?

Yes, credit repair is legal and our credit services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Repair and Education worth my time and money?

Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

What can I expect as a Client when I enroll into your Credit Repair Program?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations pertaining to credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

What is your 100% Guarantee?

If we've done nothing for you during your time with us, we'll give you a 100% refund of the monies paid to us, if:

- If we do not remove more than 25% of all the negative items worked on.

- Six months have pasted from the time you retain our services.

- You have not applied for any additional credit, or have any new inquiries on your credit report since signing up for our services.

- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.

You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received.

You may cancel services at any time. Please notify us in writing 7 days before the next billing period. 

How long will it take to raise my score?

Through our services, 93% of our clients see their credit score increase 10-60 points or more in the first 45 days. Over the full term of the contract, the average credit score increase is 80-140 points. Every client is different and score increase may vary.

Will the removed items come back?

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens etc..