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It is unsuitable for any credit restoration company to promise a result within a certain time frame. We can no more do that than we could promise a client that he or she would prevail in a court of law. Though we can give you an idea as to how long it could possible take, based on how we have performed in the past, your time frame may vary. If credit reports are received promptly, many clients see exhilarating progress within the first 90 days. Statistically, participating clients have received, on average, 10% deletions by the end of the 1st dispute, 15% deletions by the 2nd dispute, and 25% deletions by the end of third dispute. A deletion is a credit item that has permanently disappeared from the credit report of the client. We organized these statistics from clients who had sent copies of all three credit reports and uploaded all documents received from credit bureaus relating to disputes. Though we realize that these average results are exciting, we must warn you not to interpret past performance as a guarantee or promise that we will achieve precisely the same results for you as we have other clients in the past. Your results may be better or worse. The progress of your case will depend on your participation (keeping credit monitoring, uploading correspondence from credit bureaus, debt collections, or original creditor), the nature of your case, and the level of credit bureau cooperation.

We offer one on one confidential counseling allowing you to indicate to us which items you wish to dispute, and how you want us to dispute them. Once we’ve received your credit reports we will draft letters to dispute negative items on your behalf. These letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. While this may sound easy, any person who has attempted to dispute their own credit will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected under one pretext or another. At the end of the credit bureaus investigation, a new copy of the credit report is sent to your home along with any deletions or updates. You then copy and send us the new credit report and the cycle repeats itself at timed intervals. A disputed credit listing must be accurate and verifiable for it to remain on the credit report. If the credit listings are inaccurate, the credit bureau may simply change the item to reflect the accurate status. Most often, disputed credit items cannot be verified: the creditor either no longer possesses the information or does not wish to go through the trouble of verifying it. Also, the re-investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed. Each time an investigation is commenced, the odds of receiving a deletion increases.

Yes! You need to know what is on your credit reports, so that you can inform us or give us a copy of your credit report so that we can start repairing and restoring your credit profile. It is like a road map. You need to know where you are at now, and what route you are going to take to get to your destination.

One thing about bad credit is that almost any small amount of bad credit will trigger universal credit denial. A little bad credit isn’t much better than a ton. So, if you believe that there might only be a couple of negative listings on your credit report, it still makes sense to retain us for the time it takes to remove them.

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It is important to understand there are no guarantees on a certain item on your credit report to be deleted. Just like in a court of law, an attorney could never guarantee a client that the judge or jury would find in their favor. We can guarantee however, that your credit reports will improve over time and your credit scores will also improve over time.

YES! It is very important that you always keep your credit monitoring on with Smart Credit. I can’t restore your credit profile without seeing it. If payments are declined with smart credit you will receive a notification. Please be sure to let me know if you experience any issues with credit monitoring as this is a valuable tool to help you reach your goal. 

 Although the credit bureaus would like to have you think credit repair is illegal, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right by law to do so (see Fair Credit Reporting Act). Credit repair is as legal as pleading “not guilty” in a court of law.