IS CREDIT SCORE ENHANCEMENT OR CREDIT REPAIR LEGAL?

Yes. It is your right under the Fair Credit Reporting Act (FCRA) to dispute any inaccurate and not verifiable items on your credit report.

HOW LONG DOES IT TAKE TO START SEEING RESULTS?

80% of our clients see a boost of 10 points in the first 45 days. Over the course of 180 days, our clients expect to see a about 100 point increase.

WHAT ITEMS CAN YOU HELP ME REMOVE?

We have a very strong track record helping clients with removals of bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.

HOW MUCH WILL IT COST ME?

We charge a one time flat fee and that cost is provided during your free consultation.

DOES PAYING OFF MY BILLS INCREASE MY CREDIT SCORE

Yes and no. Paying your bills on time will improve your credit score in the long run, but it will not remove derogatory accounts such as collections, charge-offs, or other negative marks on your report. It is best that you do not pay off anything on your credit report until we have evaluated it for you.

WHAT ARE TRANSUION, EQUIFAX, AND EXPERIAN?

The Bureaus are what we call Credit (or Consumer) Reporting Agencies. They’re privately held companies (just like Burger Kink or Target) that sell your personal and financial information in the form of “credit reports” to businesses who use that information to make an educated decision on whether or not to lend to you. Due to shady practices by these companies in the past, and the ever-growing importance of credit in the lives of Americans, the government created laws to empower consumers to defend themselves from misrepresentation. Unfortunately, even with these laws in place, the processes to challenge these entities and the information they report about you can be very complex and time-consuming.

WHAT AREAS DO WE SERVE?

We service customers nation-wide. We offer in-person assistance to those that live in the Maryland/D.C. areas.  With that said, there is no advantage to in-person meetings versus over the phone; we have serviced many of clients in various states.

CAN I MEET YOU IN PERSON?

We provide in-person audits & consultations for new customers signing up and existing customers in these cities: Maryland, D.C., and Northern Virginia. In-person meetings are by appointment only and may have additional fees. Please call in for scheduling. Please keep in mind that there is no advantage to meeting us in-person (we have serviced many of customers in various states in the US over-the-phone) and this is offered purely as a courtesy.