Mortgage companies have interest rates that are based on different ranges of credit scores. The better the credit score typically the lower the interest rate. Therefore improving your credit can save you money on the interest cost of your mortgage.

Credit repair companies remove negative or inaccurate items on your credit reports by filing disputes on your behalf to the major credit bureaus to get them removed.

Fixing or improving credit typically takes 6 Months or More.

We have successfully helped clients remove or improve bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, and student loans.

Removed items do not return as long as they were current or paid at the time of removal, or if the collection is older than three years, except in very rare circumstances.

You are entitled to a 100% refund on all monthly payments if we do not remove more than 25% of the negatives worked on within six months, provided you had at least four negatives on your credit report at sign-up. You must not have used a credit consulting agency or attempted credit repair in the two years prior to signing up. You must also agree to send updated reports from the three credit bureaus within five days of receipt. The client’s responsible for informing us if updated reports are not received every 15-45 days.

Here are eight actions that could negatively impact your credit scores:

1. Missing a payment deadline.
2. Paying credit cards and loans late
3. Maintaining a high debt-to-credit ratio.
4. Applying for new credit
5. Submitting multiple credit applications simultaneously.
6. Closing a credit card account.
7. Halting your credit-related activities for a long duration.
8. Ignoring errors on your credit report.

Credit scores below 580 FICO and a VantageScore below 601 are considered poor and very poor credit ranges.

Yes, credit training is legal. Our credit education and document processing services help you leverage the Fair Credit Reporting Act (FCRA), which allows you to dispute any item on your credit report. It must be removed if the item cannot be verified within a reasonable time (usually 30 days). Studies show that 79% of credit reports contain errors, meaning most reports see immediate improvement. Even for non-error items, creditors often can’t verify records in time, leading to their removal. We prepare documents to challenge unverifiable items effectively.

Credit training can be very effective, especially with guidance from experienced professionals. Anyone with a credit score below 720 can benefit from credit education. However, your financial situation and the time frame for results are crucial factors. Accurate items can sometimes be removed if creditors make mistakes or miss deadlines.

We guide you through the entire process and prepare all necessary documents. Our deep understanding of credit scoring and our experience dealing with creditors and credit bureaus allow us to communicate effectively on your behalf. We’ve mastered the laws that help remove negative information, ensuring a flawless, money-back guarantee system.