Proven Results...

Credit Restoration is encouraged by the law and therefore weighs on your side. Studies have shown that many Americans have errors on their credit reports and we're experts in getting them resolved.

1.) Is Credit Restoration Legal?

Yes, in fact, not only is it legal but the law called “The Fair Credit Reporting Act” weighs the balance in your favor. The FCRA gives you the right to dispute any item on your credit report. If within a reasonable timeframe (usually 30 days) this item cannot be verified it must be removed. Per a Federal Trade Commission (FTC) study, 79% of all credit reports have an error that makes them deemed less creditworthy than they actually are. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this which is our expertise.

2.) Is Credit Restoration worth my time and money?

If poor credit is keeping you from qualifying for a credit product, such as a mortgage or a car loan, or is causing you to pay high-interest rates, the time and money invested into Credit Restoration is a well worth investment. High-interest rates can cost you thousands of dollars a year – and is sometimes the cause of additional late payments which will worsen your credit score. If it’s a mortgage or a car loan you’re after, poor credit will prevent you from qualifying, which not only affects you financially but also affects your lifestyle. Anyone with a credit score below 720 can benefit long-term from advice, information, and education around credit restoration. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Also, there are specific requirements the Credit Bureau, Collection agencies, and Creditor must adhere to, when placing items on consumer credit reports, if these requirements are not met, the negative items can be removed.

3.) What can I expect when I enroll?

This is a held-by-the-hand hands-on process from start to finish and prepares all of your documents for you. Our years of experience have allowed us to accurately communicate with creditors and credit bureaus in order to successfully improve credit scores. While you can do this on your own, there may be difficulties with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent the last 17 years learning the laws that will help you to remove negative information on your report, which enables us to offer you a PROVEN system.

(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to check or refresh for updates in our Smart Credit app or website).

4.) How long will it take to raise my score?

You can see a boost in credit scores within 24-48 hours thanks to credit boosts methods. Credit Bureaus have 30 days to respond to challenge letters, so you will see improvement within the first 45 - 60 days. NOTE: Each credit report is different, thus credit completion will vary based on your current credit standing and your credit goals. Many clients average 3-5 months in the program.

5.) Why is the Protection Plan Membership different?

Our methods are different from the traditional credit repair process, giving us an advantage in winnable challenges and timeframes. All while building your credit with positive new items.

On average, we have successfully dispute-to-delete over 2,000,000 negative items from a credit report. Our fees are fair, trustworthy and we GET RESULTS!

6.) Will the removed items come back?

In most cases (98%) removed items do not come back. By law, collection agencies and credit bureaus must notify you before putting items back on your report. Moreover, collection agencies can transfer debts, in which case, you have 30 days to respond to the debt. If an item does come back, we can immediately take action and target to delete it.

7.) What items can you help me to remove and improve?

With our assistance, our clients have had great success with bankruptcies, child support, late payments, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, judgments, tax liens, foreclosures and student loans.