FAQ'S
I get alot of the same questions, so I added a few here
  1. 1
    How long does it take?
    Everyone's credit situation is completely different, so how long it takes for you depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part by performing a comprehensive evaluation of your credit reports and starting investigations based on the results, usually within 48 hours from the date we receive them. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.
  2. 2
    How much will score increase?
    The actual amount will vary per customer. There are many factors that affect a credit score. The most important are your ratio of open credit to what is being used, your ability to pay on time, your length of credit history, the number of inquiries on your credit file. It is especially important that no current accounts fall into a negative status.
  3. 3
    What documents are needed?
    The credit agencies require proof of identity and proof of residence before they will investigate your account. We attach these verification documents to each one of your investigation papers. Accepted documents are: Social Security Verification, (Photocopy of your Social Security card)Address Verification. Bills usually work best (phone, light, gas etc.) but any mail will do as long as its not junk mail and it has your complete name and current address. Clear copy of your ID.
  4. 5
    How long for response?
    You will receive updated credit reports from all three credit agencies within 30 to 45 days. At that time you will see what was deleted, updated or revised. Please forward these updated credit reports to me so that we can continue working on the remaining items. If the credit agency does not respond to our investigation, no need to worry, a new one will be generated when your file is reviewed every 60 days.
  5. 4
    How are you different?
    The different is I will be your personal coach thru the whole process. Communication is the key when you are trying to re-build your credit. Especially when most people dont understand credit in general. Also many different ways to contact me. By phone, email, or even thru social media sites as I am very active. I charge a ONE TIME FEE! dont be ripped off by companies that want $80-$100 a month for this service. Its just a RIP-OFF! The tips and education I provide will help you maintain your good credit long after your service has ended.