Frequently Asked Questions
Your credit score comes from your credit report; it is your spending and repayment report card. Credit reports often aren’t correct, and incorrect information can hurt your score. We make sure your credit report contains correct information so you’ll have the highest score possible.
A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers. Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 300 to 850. The higher your score, the more “creditworthy” you are to lenders.
Credit scoring is based on many factors that may include: Amount of available credit Payment history Recent requests for credit Amount of credit currently being used Length of credit history Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.
Everyone wants you to see results immediately. Although everyone’s credit history is different, most people will see progress within the first 20-45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible.
Negative credit listings are deleted from peoples’ credit reports each and every day! We work every day challenging damaging and questionable credit entries on behalf of our clients. Utilizing proven and absolutely legal methods,
We have had success with removing student loans, medical bills, repossessions, Foreclosures and more within a short amount of time for our clients.
Because everyone’s reports are unique, scores will range differently each month for each individual. We have had clients with points ranging between 30-90 points each reporting period. It all depends on what is reporting, revolving credit, utilization and other factors. That is why We hold your hand every step of the way so that you can get the best results as possible.
We offers a 100% money back guarantee if you do not see atleast one or more negative items we dispute deleted from your credit report in a 120 day (4 consecutive months) , you will receive 100% of all payments made. You must have made all payments on time, had no breaks between credit monitoring and have not applied for any new credit during the dispute process.