Frequently Asked Questions

Yes.  The Fair Credit Reporting Act says that any account that is inaccurate, incomplete, outdated or unverifiable has to be remove from your credit.  So any account paid or unpaid that meets these requirements can be removed from your credit.

No. We have been very successful in removing these types of items.

The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time when given a reason to do so. The law says that these items can stay on your credit for a maximum of seven years not that they have to stay on your credit for seven years.

No. Paid, but once-delinquent, debts still show up as severe negatives.  Paying your past-due debts does little to immediately increase your credit score and may actually make the score worse! Remember a paid charge-off  scores the same as an unpaid charge-off

Only if improperly removed in the first place. We have a proprietary technique that insures that items we delete will not reappear on your credit.

Studies show that the majority of credit reports contain errors. Whether through clerical errors, mistaken identities, improper accounting, or simple misunderstandings, there are an estimated 200+ million Americans with errors on their credit reports. And in many cases, these errors are significant. As many as 25% of all credit reports contain errors serious enough to cause someone to be denied a credit application. 

So, when talking about fixing bad credit, there is more to it than just trying to increase a credit score. It is about repairing the errors and omissions in your credit reports. Responsibly managing your credit will help you start working towards a better credit score, but truly fixing bad credit requires that you also focus on the source of the problem. We are not a credit repair company.  Credit repair companies promise to fix your credit and most of the time because they have no true credit industry expertise, they are not very successful at that.  We offer our clients Strategic credit Restoration and Development.  In addition to restoring your credit history we also improve your credit score and tech you the mechanisms that control your score so that you can have perfect credit for life