You are entitled to a 100% refund if:

We do not remove any negatives that we worked on; Within 120 days (4 consecutive months) from the time that you retain our services. You have not used a credit-consulting/repair agency while having us retained nor attempted to repair your own credit at least 1 year prior to signing up for our services. You have had no new collections or missed payments during the time frame we are assisting you. You have maintained credit monitoring services at all times during the time frame we are assisting you. You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt. You should receive updated credit reports every 30-45 days and have made us aware if updated reports have not been received in that timeframe.

Paying ALL of your bills when they are due and on time is very important, before time is even better! I like to advise to keep balances below 20-25% on your credit cards, this means don’t utilize more than 20-25% of the funds available of your credit cards within a month’s time. Banks like to see that you can properly handle the funds available without maxing your cards out and paying what’s due when its due.

If you feel you cannot manage your credit cards efficiently a good starting point is to use them for something that’s needed, such as utility bills or gas, and then pay off the balance in full each month on time. As long as you keep to the habit of paying the cards off in full and keep your utilization below a certain threshold your score will continue to rise. Exciting right!

Yes! Our document processing services coupled with the education we provide will help use the law in your favor. The CCPA (Credit Consumer Protection Act) includes several important laws, including the Truth in Lending Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. Plus, many more!

The Truth in Lending Act (TILA) protects you against inaccurate and unfair credit billing and credit card practices.

The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files.

The Fair Debt Collection Practices Act (FDCPA) was designed to eliminate abusive, deceptive, and unfair debt collection practices.