Frequently Asked Questions

Here are some commonly asked questions that get asked pretty regularly.  Feel free to connect with us should you have further questions that are not yet listed.

Are you licensed and bonded to do business?

Yes, we are licensed and bonded to operate under the regulations of the State of Ohio.  We also have the required surety bonds and licensing needed to operate as a Credit Service Organization throughout the United States.  Other states may vary in bond and licensing requirements.

We abide by stricter laws that protect you as the consumer, whereas, other states do not require anything to possess your personal credit information other than a fairly inexpensive LLC license.

How are you different from your competitors?

1. Fast Results

We don't drag the process along like our competitors love doing.  Usually, the cheaper their services are, the less they are likely to care about getting you the best results.  The same goes for major corporations who have a history of only caring about profit and the bottom line.  We want you in and out of our program as fast as possible so you can start living the life you deserve. 

2. Affordable Options

All of our plans are month-to-month with no long term commitments.  For the amount of detailed effort put forth in every successful dispute, constant communication given throughout the process, and providing the convenience and reassurance of monitoring your profile through your online dashboard, our pricing is below the rate it could be when comparing others in the industry who do far less for too much money. 

3. 24/7 Access and Team Support

By utilizing our numerous social networks, email/text system, chat feature, or Support Ticket through your online dashboard, connecting with our Support Team is easy.  This allows you to ask us any questions you have at anytime regardless of our office hours.   

Can you repair credit in every state?

Just about!  We are currently servicing 26 states.  We are rapidly expanding, so feel free to get in touch with us to see if we are legally operating in your state.

  • Alabama
  • Alaska
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Kentucky
  • Michigan
  • Mississippi
  • Montana
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Texas
  • Vermont
  • Wyoming

Is everything done online and over the phone?

Absolutely!  We service families all over the country and couldn't possibly expect everyone to drive to us.  We make it easy and convenient to sign up, get an update, or answer any lingering questions.  All credit evaluations and services can be completed through phone, email, and even text message!  No driving necessary.

Am I stuck in a contract?

No, absolutely not!  Everyone's credit reacts in a unique way, there are no two reactions alike.  So, we designed our plans in a way that allows you to only pay for the amount of help you need.

It doesn't make sense to have everyone pay for the same length of time when everyone's report is so different.  Others may only have a few remarks to dispute, whereas, others may have over 30 negative accounts! 

Are you able to pull my credit report?

By law, no one in the credit repair industry is allowed to pull your credit report. We are not a lender, mortgage broker, or loan officer. 

There may be companies out there that will charge you to pull your credit report and provide you with a one bureau report versus a three bureau report once you enroll in their program.  We follow the laws governing this industry rather than seek loopholes for more profit.

Where can I pull my credit report from?

If you're working with a broker or lender, oftentimes they can provide you with a copy of your credit report.

Otherwise, we would need you to pull your own reports prior to begin.  Your scores will not be affected by choosing one of these resources to obtain your three credit bureau reports with scores.  This ensures a more accurate representation and outcome.

Can you guarantee a certain credit score?

No.  It is illegal for any company to promise or guarantee an outcome.  Predicting results is like predicting the winning lottery number.  Steer clear from companies making these "promises" or "guarantees" as they may be a scam. 

Since everyone's credit is unique and reacts differently during the dispute process, a number of situations can arise from the creditors, bureaus, or even yourself that may prolong or diminish the outcome.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act is a federal law that was enacted in 1970 to promote the accuracy, fairness, and privacy of personal information in the files of consumer reporting agencies. 

It is intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.  It allows you to personally engage in disputing the errors listed on your credit report.