FAQ'S

Popular Questions

We offer results-driven packages that are fine-tuned to meet your specific needs. We offer a monthly package that is 125.00 a month and you pay that each month while enrolled in the program. We also offer a Pay-to-Delete option where you only pay for the items that we are able to delete from your credit report after they are deleted. The accumulated total can be broken down into payments as needed to fit your personal budget.
Credit repair when done correctly is very real and legal. Credit repair is the process of identifying any negative items on your credit report. There are laws that protect you as a consumer from having items on your credit report that are inaccurate, outdated, and unverifiable. We leverage those laws and many others to get your results.
It is illegal to make any promises or guarantees in regard to deletions or the length of time required. Every credit profile is like a fingerprint, unique. Results vary from case to case. However, our clients have seen deletions within their first 90 days and sometimes less.
Credit repair is more of a marathon and not a sprint. You must be committed to the process to ensure optimal results. Credit repair may take 6-12 months (sometimes longer) to achieve the goal. Your current credit issues did not form overnight and it’s not fair to expect them to be fixed overnight.
Absolutely! We take referrals as the best compliment. We will take care of your friends and family and in return compensate you. Our referral program rewards you for doing things and the reward charts are as follow 1. Facebook/Google Business Review – $10.00 credit 2. Video Testimonial – $15 credit 3. Referred Client Enrolls – $25 account credit
Absolutely! Just like you are able to cut your own grass, do your own hair and nails, diagnose your own illnesses and ailments, and prepare your own food. However, when you want something done correctly you hire a professional. We offer you peace of mind and free up your time to do the things that matter most to you. Leave the heavy lifting to us.
We require monthly credit monitoring through SmartCredit or Identity IQ. We do this because Credit Karma only shows 2 out of 3 bureaus. This is not an accurate depiction. Credit monitoring is a tool that we utilize to see what has changed month to month with your credit report. It is mandatory, in order to get an accurate depiction of what is actually on all 3 of your credit reports.
Your debt can be resold multiple times until it is settled. However, you should always receive a reinsertion letter 5 days prior to something being added back to your credit report
In conjunction with your Credit Repair Services you will receive FREE Credit Education. We currently offer Budgeting Assistance, Student Loan Rehabilitation, and Credit Building Assistance. We also offer Tax preparation, Life Insurance Protection as well as Goal coaching.

We have successfully removed collection accounts, medical bills, charge offs, bankruptcy, repossessions, evictions, late payments, and many moreDo I have to do anything? We work together as a part of a team to get you the results that you desire. Deletions alone will not improve your credit score. Our main focus is a healthy report, a healthy report will lead to a healthy score. In addition to the work my team and I complete for you, you assist us by:

  1. Not applying for any new credit anywhere
  2. Pay all bills that report to your credit report on time every time
  3. Not maxing out your credit card during the repair process regardless of if you pay in full every month
  4. Email all documentation from bureaus and creditors to us within 5 days of receipt
  5. Do not make any promises to collection agencies or creditors over the phone
  6. Pay down your credit card balances to as low as 10% as you can possibly get them (start with the card that has the smallest balance)
Credit repair does not erase your financial obligation. You are still personally responsible and legally liable for that debt.
You may cancel your account at any time. At the time of cancellation, you will be billed the remainder of your account balance. Payment is expected in full immediately. Please see the full cancelation policy in the enrollment agreement.
If we are unable to get you any results in 6 months through no fault of your own we will refund your monthly payments. Please see more details in your client agreement.
If you are receiving calls from a collection agency please let us know immediately. In the meantime do not provide any information or make any promises to the representative over the phone. It is their sole purpose to get information out of you. Simply state “I’m not sure what this matter is about please send any correspondence to whatever address you have on file. Thank You I am ending the call” and hang up.
As a client, you have 24/7 portal access that will keep you updated on what we are doing for you. It shows you exactly what accounts have been disputed, removed, or verified as well as your progress with your score among other things.
This may vary from credit profile to credit profile. However, we do have a list of preferred partners that offer accounts that aid in the boosting of your account.

A negative item is anything in your credit history that could lower your score. This is included but not limited to:

  1. Late or missed payments
  2. Collection accounts
  3. Bankruptcies
We want to ensure that the partnership between you and the company will be a positive one. We have to ensure that you qualify for services. The consultation is just the beginning of the process that helps set proper expectations prior to becoming a client.
No, unfortunately, It is illegal to guarantee any results in any amount of time.
No, you should not. The first step in the process is to actually check it for errors and dispute the account.
A credit score simply tells lenders about your creditworthiness. It is calculated using the information in your credit reports.
There are different methods of contact. Email: [email protected] Phone: (318-383-0300) or (1-888-551-4242) or your Client Portal 24/7 Access