Frequently Asked Questions

Here are some commonly asked questions that get asked pretty regularly.

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 fast and positive 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. No Tricks

There are no hidden fees.  We are very transparent and upfront about everything we do including our charges.  Some companies who advertise they don't charge any upfront costs, like a processing or setup fee, are most likely making up for it by prolonging your results by limiting disputes each month.

3. 24/7 Access and Team Support

Providing you with 24/7 team support through our numerous social networks and chat feature on our website allows you to ask us any questions you have at anytime.  You even have 24/7 access to your Personal Online Dashboard to monitor your progress and review your results. 

4. Affordable and Personal

Our services are month-to-month with no long term contracts.  Our pricing is comparable to others in the industry but our services and personal attention we give you is unbeatable.  You will have your own personal Credit Specialist assigned to you as your point of contact throughout the entire process.  No more guesswork and no more stressing. 

Can you repair credit for those living in other states?

Absolutely!  We are currently servicing 26 states.  We are rapidly expanding, so feel free to call or email us to see if we are legally operating in your state.

  • Alabama
  • Alaska
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinios
  • 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

Do I need to stop by your office to sign up for my credit evaluation appointment?

No, there is no need to stop by our office.  We service clients all over the country and couldn't possibly expect everyone to drive to us.  We make it easy and convenient by allowing you to either call, email, or sign up online for your free over-the-phone credit evaluation.  Please note that if you need to schedule a face-to-face evaluation, after (30) thirty minutes you will be charged just as an attorney does.  In-person meetings take time away from our other clients which is why we limit your free evaluation to (30) thirty minutes.  All credit evaluations and services can be completed through telephone, email, and text message.  No driving necessary.

Am I stuck in a contract?

No, absolutely not!  Everyone's credit report reacts in a unique way, there are no two alike.  So, we designed our service 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 debate, whereas, others may have over 20 negative items to dispute. 

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 but will only provide you with a report to (1) one credit bureau versus all (3) three 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 reports.

Otherwise, we would need you to pull your own reports.  Please visit one of these websites to pull your credit reports from all three credit bureaus with scores.  This ensures a more accurate representation and outcome.

Credit Check Total

Identity IQ

Privacy Guard

My FICO

Do 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" 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 or bureaus that may prolong the outcome.  With so many factors involved, we feel that if we haven't been successful in deleting any negative remarks from your report, then you're entitled to some sort of refund.

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.