Frequently Asked Questions

Does Credit Coaching Work?

Contrary to popular belief, credit coaching is effective in many situations. However, its success hinges on receiving quality guidance from a knowledgeable professional. Individuals with a credit score below 720 can greatly benefit from the insights and advice offered through credit education.

What can I expect when I sign up?

We will embrace you as part of our family! Our team will support you throughout the entire process, handling all your documentation with care. You’ll receive regular updates on your progress and you will have the convenience of tracking everything through your Client Web Portal, accessible 24/7.

How long will it take to raise my score?

Typically, our program may take around nine months to finish, depending on individual client circumstances. However, within the first 45 days, 90% of our clients experience an improvement in their credit scores through our services.

What items can you help me to remove and improve?

With our support, clients have achieved significant success in navigating issues such as bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, outdated addresses, judgments, tax liens, and student loans.

Why pay for credit monitoring while repair my credit?

Paying for credit monitoring while repairing your credit is essential because it provides real-time alerts and insights into your credit activity, helping you quickly identify and address potential issues such as identity theft, fraudulent transactions, or errors on your credit report. This proactive approach ensures that you can take immediate action to protect and improve your credit score, ultimately facilitating a more effective and efficient credit repair process.

What makes your results different?

There are times when creditors and credit bureaus have followed all the proper procedures, leaving us with no grounds for a case against them. During your credit audit, we will examine your credit report and outline an actionable plan tailored to your needs. On average, our clients manage to eliminate about 65% of the negative items from their credit reports.

Will the removed items come back?

Disputed and removed items cannot reappear on your credit report if they are current or paid off at the time of their removal, or if the collection item is over seven years old. This rule applies, except in very rare situations.

Is credit repair legal?

Yes, credit repair is legal, and our team is here to help you leverage the law to your advantage. This law is known as “The Fair Credit Reporting Act.” The FCRA grants you the right to contest any item on your credit report. If an item cannot be verified within a reasonable timeframe (typically 30 days), it must be removed. Our role is to prepare the necessary documents that utilize this law to assist you in achieving results for inaccurately reported information.

What Items will you dispute?

Included in your membership we offer unlimited challenges of: Inquiries, Personal Information, Collections, Charge Offs, Repossessions, Medical Bills, Student Loans, Late Payments, Bankruptcies, Tax Liens, Evictions, Foreclosures, Child Support and ChexSystems

How much will It cost to repair my credit?

We offer a variety of packages specifically designed to meet the diverse needs of our clients. To see a detailed breakdown of costs, please check the prices provided for each service.

What is your refund policy?

After 120 days, clients may be eligible for a full refund less the work fee if the following conditions are met:

1. No removals or deletions have been made to their account.

2. The client has provided truthful information in all communications.

3. The client has fulfilled all reasonable requirements and responsibilities outlined in their contract.