Q:  How long does the credit restoration process take?
It all depends on how many negative inaccurate, obsolete, misleading or duplicate items are on your credit reports.  It also depends on the credit bureaus properly doing their job by heeding the federal law, Fair Credit Reporting Act.  You will usually see results from all 3 credit bureaus in as little as 35-45 days.  The credit bureaus can respond faster if they gather all of the information back from your creditors in a timely manner, which by law is no more than 30 days.


Q:  What guarantee can you give me?

A: We can guarantee that we can improve your credit and credit scores within the 12 months time.  But you must have done at least two rounds of disputes through each of the credit bureaus and not have any new items appear on your credit reports.  We cannot guarantee that a certain item will be deleted or corrected in a certain period of time.  That would be against the law.  We do know that with determination and persistence, and with our experience this process does work.


Q:  Can information be removed from my credit reports even if it belongs to me?

A: Any information on a credit report can be removed, but it has to be removed due to a violation of some type (which you will find described in the Fair Credit Reporting Act) (FCRA). There are many laws written to protect you (the consumer), so anything that violates these laws will cause removal of any accounts including judgments, liens, collections, charge-offs, bankruptcies and late payments that are incorrect, misleading, obsolete or inaccurate

Q: Can repossessions be removed from my credit report?

A: Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won’t take


Q: Can foreclosures be removed from my credit report?

A: Yes, foreclosures can be removed. Although they are very difficult, we again take every step possible to do so.


Q: Can bankruptcies be removed from my credit report?

A: We generally tell our clients they shouldn’t expect their bankruptcy to be removed. Bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old. Our service has been known to remove them with an impressive 67% success rate with past customers.


Q: Can student loans be removed from my credit?

A: Late payments on student loans can be removed, although student loan debt cannot be settled.


Q: How long does a student loan stay on your credit report?

A: So a negative mark on your private loan (and most federal student loans) will cease to hurt your credit after that time frame. But there is one type of federal loan — a Perkins loan — that can stay on your credit report until the loan has been paid in full, even if it is longer than seven years


Q: Can inquiries be removed from my credit?

A: Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed.  Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days.  We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.


Q: Can child support be removed from your credit report?

A: Thus it’s important to dispute childsupport debt that is listed incorrectly on your credit report.