Frequently Asked Questions
What areas do you service?
We are authorized to offer credit repair services in the state of Texas. If you live outside of the state, please give us a call and we will let you know if we can assist you on a case-by-case basis. When it comes to credit repair, each state has its own set of rules.
How much do you charge for credit repair?
We’re one of the few businesses that works on a fixed-fee basis. We don’t charge monthly fees because companies who like to drag out the procedure is only doing it in order to rack up more charges on you. We prefer to avoid conflicts of interest like these. There are several packages to pick from, and the best one for you will depend on your current condition and objectives. Call us for a free consultation, and we’ll give you our professional advice on what suits you best.
Do you only dispute a certain number of negatives per month?
No. We have no incentive to delay your credit repair because we just charge a one-time cost. Following that, it is in our best interests to provide you with the most assistance in the quickest time feasible. Without mentioning names, some of the larger credit repair agencies that charge monthly fees only dispute 2 or 3 items per month, causing your payments and results to be delayed. That is not something we do. Every month, we go after every single negative issue to get you through the process as quickly as possible. It’s not only the right thing to do, but it’s also the financially smart thing to do – our clients are happier, and they refer additional clients to us, which helps us expand.
Do you guarantee improvements in credit score?
We have a very high success rate in assisting our clients in improving their credit ratings. That being said, we – or any other reputable organization – are not legally permitted to issue guarantees in the service industry. However, we can confidently predict that we will be able to significantly enhance your credit score in the process.
How long does all of this take?
This is a question for which there is no conclusive solution. Every person’s situation is distinct. We’ve seen significant increases in credit scores in less than 90 days, but we’ve also had examples where the customer’s credit was so bad and full of mistakes that it took several months to clean it up. What matters, though, is the outcome we achieve.
Couldn’t I just do this myself for free?
It’s possible. We’ve created highly specific dispute letters for every case and sort of bad article imaginable over the years, considerably improving the chances of permanent deletions when compared to ordinary letters most people write for themselves. Therefore, if you have unlimited time and want to save money, doing it yourself can be the best alternative. Our usual client is seeking for a mortgage or a car loan, as well as cheaper interest rates on credit cards and other debt. Such persons would rather pay a little money to ensure that the job is completed as fast and efficiently as possible, since the savings at stake are in the thousands of dollars, and doing it themselves is not worth the risk.
Am I expected to do anything?
We need that you submit us any responses to our disputes that the Bureaus mail you, as well as that you furnish us with updated credit reports in some way (usually via score trackers). Otherwise, we’ll take care of everything.
Is this process legal and ethical?
By all means, yes. Albeit the Bureaus like it better for you to believe differently so that they don’t have to deal with any kind of disputes. It is your authority under the Fair Credit Reporting Act (FCRA) to contest any and all information on your credit reports. Credit repair is a legal type of business that’s regulated under the Credit Repair Organizations Act (CROA).
Is this process legal and ethical?
The “Bureaus,” TransUnion, Equifax, and Experian, are publicly listed firms that hold financial information about you, similar to Walmart or Amazon. Financial institutions, such as banks and other lenders, pay them a yearly fee to gain access to this information in the form of credit reports, which allows them to make better decisions about who to lend money to, who to deny, who to offer lower interest rates to, and who to charge higher interest rates to. This is why it’s critical that you double-check that any information the Bureaus have about you is correct and flattering. That’s where we can help!
Still Have Questions?
Don’t hesitate to reach out to us anytime