Contrary to what the credit bureaus would like you to believe, credit consulting does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit consulting; however, there are times when your own limitations make adhering to this advice impossible. The two limiting factors are: (1) your financial situation and/or (2) the time-frame in which you need to reach your results. It is possible to remove anything from a credit report if the creditor does not adhere to the law that outlines what needs to be done within a specified time period. All items must be 100% accurate and not obsolete, which is where many people’s reports fall short

We act as your representative due to our working knowledge of credit scoring and experience working with creditors and credit bureaus. It may often be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. If you know what you’re doing, you can repair your own credit, you can also build your own house, but would you? We specialize in nothing but credit issues, as with any specialty, the more skill one has, the better the result they’ll get. We stand behind our ability to help you in the credit arena

Our money-back guarantee is easy to understand and is the best in the business.

If you contract us for the service of removing negative inaccurate and/or obsolete information, we will refund all monies paid if we do not remove at least 25% of all the negatives we work on, from all three major credit bureaus, within six months from the time our services are retained.

In order for the warranty to apply, you must have at least four negatives on the credit report at the time of sign-up and may not have used a credit consulting agency nor attempted to repair his or her credit two years previous to our retainer. Unpaid collections and unpaid charge-offs do not qualify for the warranty. Client also agrees to send updated reports from each of the three credit bureaus to us within 5 days of receipt. Updated reports should be received by the client every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received.

Through our services, 93% of our clients see FICO score increases in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 50 points. There are many factors that go into a credit score, we have seen many clients get more than a 50 point increase while we have also had some that have gotten less. There is no exact way of knowing how much one’s score will increase. The client’s actions, while working with us, may have an influence on the score change. We will do everything in our power to increase your credit score as high as possible, including giving you the best advice as it pertains to your unique credit profile.

Through our services, we can normally remove the following inaccurate, unverifiable and obsolete items: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.