WHAT DOES “ZERO ADVANCED-PAY” CREDIT REPAIR MEAN?
It means we do not charge for credit repair services before work is performed. In compliance with federal law, payment is only collected after services have been provided.
IS THERE ANY UPFRONT COST TO GET STARTED?
No payment is required upfront to begin onboarding.
Onboarding includes identity verification, compliance screening, client profile setup, document collection, credit report access, and dispute system preparation.
The one-time $50 onboarding fee is only charged after onboarding has been completed. Payment must be received before any service plan can begin.
HOW DO I CHOOSE THE RIGHT SERVICE PLAN?
We offer three service options:
- New Beginnings Plan: Disputes 1–5 accounts at a time
- Accelerated Plan: Disputes up to 10 accounts at a time
- Hard Inquiry Plan: Focuses on disputing unlimited hard inquiries
Plan selection is based on your needs. If you want to address 1–5 accounts, the New Beginnings Plan is appropriate. If you have 6–10 accounts, the Accelerated Plan is recommended. The Hard Inquiry Plan can be used for disputing inquiries and may be selected as a standalone service or added to another plan.
WHAT IF I HAVE MORE THAN 10 ACCOUNTS?
If you have more than 10 accounts, the Accelerated Plan is recommended. The New Beginnings Plan may also be used if you prefer a slower, more phased approach. Accounts may be addressed in stages as items are updated or resolved.
WHAT DOES “DISPUTING” MEAN?
Disputing involves challenging items on your credit report that may be inaccurate, incomplete, outdated, or unverifiable with the credit bureaus, which are required to investigate. Disputes are sent to the appropriate three main bureaus: Experian, Equifax, and TransUnion.
HOW OFTEN ARE DISPUTES SENT?
Disputes are sent on a consistent 30-day cycle. This allows time for the credit bureaus to begin and process investigations while maintaining a steady and ongoing flow of new challenges being submitted.
DO I NEED TO PARTICIPATE IN THE PROCESS?
Yes. Participation includes providing requested documentation, maintaining credit monitoring, forwarding bureau communications, and staying active and responsive in the client portal when needed.
HOW DO PAYMENTS WORK?
Payments are made monthly after services are performed. You are not required to pay for the full program in advance.
WHAT IS YOUR CANCELLATION POLICY?
While each service plan is designed to run for up to 6 months to allow time for multiple dispute cycles and responses from the credit bureaus, you may cancel at any time with no cancellation fees. You will only be responsible for payment for services that have already been performed up to the date of cancellation.
HOW LONG WILL IT TAKE TO SEE RESULTS?
Timelines vary depending on your credit profile and the number of items being addressed. Some clients may see updates within the first few months, but results are not guaranteed.
WILL MY CREDIT SCORE INCREASE?
Outcomes depend on many factors unique to each individual’s credit profile. While addressing inaccurate items may help, specific results or increases cannot be guaranteed under CROA regulations.
CAN YOU REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT?
Accurate and verifiable information cannot be removed under federal law. We only assist with disputing items that may not meet reporting standards.
Outcomes also depend on many factors unique to each individual’s credit profile. While addressing inaccurate items may help, specific results cannot be guaranteed under CROA regulations.
It means we do not charge for credit repair services before work is performed. In compliance with federal law, payment is only collected after services have been provided.
Credit is when you receive money, a good or a service, and you agree to pay for it in the future—usually with added interest. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.
If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.
We recommend a soft pull credit inquire from a third party of your choice (we assist with this step as needed) or a free annual credit report thru a government approved site like annualcreditreport.com. A soft inquiry will not affect your score since you are not asking for any type of credit line or loan and it’s only for personal purpose.
Generally speaking, there are five tiers of credit score. A good credit score is anything above 670.
Anything below 670 is considered poor or only fair credit.
Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:
- Not paying bills on time
- Filing for bankruptcy or foreclosure
- Applying for too many credit accounts
- Carrying high balances on your credit cards
- Ignoring questionable negative items on your report
Because there are no two-credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s.Everyone’s results will vary, but you can be certain we will get you the best results possible.
We review your credit report and see what’s holding your credit scores back and get right to work disputing any inaccurate, untimely, misleading, biased, incomplete or unverifiable items on your credit report. Addressing them accordingly and utilizing different laws like FCRA (Fair Credit Reporting Act) and other laws applicable to increase your credit scores. At the same time providing a tailored plan to avoid future credit problems and credit education along the way to make sure you have a healthy and accurate credit life.
Unfortunately, the credit reporting system doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one.
The credit bureaus have to provide you with a free credit report every 12 months–it’s the law. Outside of this official source, there are many other services that will provide you with your credit score for FREE.
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