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How do I sign up?
Your enrollment can be completed in just a few minutes. Sign our online agreement and follow instructions to send us your credit reports and ID. A credit specialist will contact you to discuss your credit situation and unique goals and set an aggressive plan into action. We will have your account setup and your first cycle of disputes in the mail within 48 hours.
How does your program work?
When we receive your credit reports, we will analyze and identify problems that are affecting your credit negatively in order to determine our specific strategy. After your analysis is complete, you will be issued login credentials to access your secure online account. The audit and verification commences quickly and by day three, we will have targeted disputes in the mail on their way to Equifax, Trans-Union and Experian. The items we dispute will be investigated and the results are mailed directly to you so you can track the results as they happen. We also contact creditors as well as state/federal regulatory agencies to resolve even the most difficult problems, permanently. While our focus is removing questionable negative information, we are also here to consult you with virtually and credit, debt or financial related problem.
Can you give a discount if my spouse and I enroll together?
We provide a 20% discount when a friend or spouse enrolls with you.
How do I track my progress?
You will receive (3) updated credit reports in the mail every 30 days. The credit reports will each include an "Investigation Results" page that clearly shows a list of the items investigated along with the result for each investigation. We ask that you email, fax, mail or upload the results to us so we can post the results in your private online portal which is available 24/7.
Will you help me build credit?
Absolutely! We our experts and will strategically guide you through the process of building new credit. If you ever want your FICO to get up there over 720, it is imperative you start with a strong foundation of revolving and installment trade lines. Our network provides free referrals to lenders, local banks, realtors, mortgage brokers and auto dealerships ready and willing to help you build and optimize your credit.
Is credit improvement legal?
Yes, credit improvement is legal if you follow the guidelines of the Fair Credit Reporting Act and the Credit Repair Organizations Act. There are many rules we must follow to be in compliance of Federal and State Law. Just to name a few of the things to look for:

Credit Repair Companies...
  • Are required to provide a written service agreement.
  • Must inform you of your rights to repair your credit on your own.
  • Cannot charge you until the work has been performed.
  • Cannot create you a new credit file.
  • Cannot guarantee removal of accurate items.
  • Cannot advise you to be dishonest about your credit history.

If you are considering hiring a company that is violating any of these, we recommend that you reconsider and call us instead.
Do you guarantee my credit will improve?
We are so confident your credit will improve; we back our service with a 100% guarantee.
What is your rating with the Better Business Bureau?
The Better Business Bureau has awarded us with an A+ designation (the highest rating possible). We have diligently maintained an excellent rating throughout our company history.
I want a home loan and have bad credit, can you help me?
Yes, we specialize in helping homebuyers improve their credit reports to qualify for lower rates and better terms.
I am past due on my debt, can you still help me?
Yes, your debt is an extremely important factor and cannot be neglected. We will carefully analyze your outstanding debts and make recommendations based on what we see.
Equifax is showing my date of birth incorrectly, can you fix it?
Yes, we take every aspect of your credit seriously. We will take the steps necessary to update your credit reports with your true and correct information including your full and correct name, social security number, date of birth, address history and employment history. Lenders favor seeing consistent personal information and it reduces mixed credit files, mistakes and the potential of identity theft.
Can you delete inquiries?
Yes, we can help you by challenging and removing questionable inquiries.
Do you guarantee you can delete everything negative on my credit report?
No one in this business can guarantee that but we are confident that with time and persistence we are usually able to delete the majority of harmful items affecting your credit. The longer you remain a client, the more likely it will be that more of the harder to delete items are eventually removed.
How do you deal with inflated or expired debt?
Similar to the audit and verification process, we use our knowledge of consumer protection laws and dispute the accounts. In most cases we not only contact the credit bureaus, we also contact the creditor or collection agency directly. We place the burden of proof squarely on their shoulders and are often successful in resolving some of the most difficult problems quickly and inexpensively.
I have old collection accounts, should I pay them off?
Sometimes paying off old debts can reduce your credit score. When you make a payment, it restarts the statute of limitations and creates a new entry scheduled to stay on your credit for an additional 7 years. We would like to review your credit reports and make recommendations based on our findings. Chances are, we may be able to remove the majority of the outdated information saving you hundreds or even thousands of dollars.
I had a recent foreclosure, can you delete it?
Foreclosure rates are soaring and a lot of good people have been the ones taking the brunt of the losses after the recent mortgage meltdown. Results have shown that foreclosures have been extremely difficult to delete from credit reports if they are recent. If you have recently been foreclosed on we recommend you allow 6 months before addressing the issue to increase your probability of a positive result.
Do you have an affiliate program?
Yes, we have an affiliate program for mortgage brokers, loan officers, realtors, debt settlement, consumer credit counseling companies and other financial service professionals. Please contact us for more information.
Can you pull my credit reports for me?
The Fair Credit Reporting act prohibits credit bureaus from furnishing credit reports for anything other than a permissible purpose. Permissible purposes include the determination of credit worthiness, employment screening and insurance underwriting. We can however show you where to go to get your credit reports, quickly and easily. If you need assistance, please contact us.
How do I send my credit reports to you?
You can upload them directly into your secure online account or you can email, fax or mail them to us. If you have an online credit monitoring service such as www.TheBestCreditReport.com you may simply provide your login credentials so that we can access them online.
How long have you been in business?
We have been in business since June 2004.
What is the FCRA?
The Fair Credit Reporting Act (F.C.R.A.) is a United States federal law (15 USC § 1681) that regulates collection dissemination, and use of consumer information, including consumer credit information.
What should I look out for when choosing a credit repair company?
Legitimacy comes first. If a credit repair company has a bad reputation, run the other way. A great place to find reviews and reports on credit repair companies is with the Better Business Bureau at "www.BBB.com. Cost and payment structure is of course important. There are many laws that regulate when and how much credit repair companies can charge. If a credit repair company charges too much or charges you anything prior to performing the service, they are violating the Credit Repair Organizations Act and are likely a scam. Another important factor is expertise. We estimate that 90% of the credit repair companies you find online have limited or no experience and have only moved into this industry after the recent mortgage meltdown. Trust your instinct but please do your research before placing your trust in anyone who claims they are going to repair your credit.
I am being harassed over a debt that I do not owe, how can you help me?
We can help by placing the burden of proof on the creditor or debt collector by demanding validation. We have had tremendous success helping clients completely eliminate debts which are erroneous, inflated or unverifiable. We also have relationships with attorneys that may take your case with absolutely no cost involved. If and when a deal is reached in lieu of violations under the FDCPA or the FCRA, you could potentially walk away with a settlement.
What is the difference between a debt management company and your services?
Debt management companies, often referred to as consumer credit counseling services, debt consolidation or debt settlement work with creditors to negotiate interest, balances or to negotiate a repayment plan. A monthly debt payment is established and the 3rd party handles the disbursement of payments. Essentially, debt management companies are in charge of your debts. We on the other hand, are in charge of your credit. We are here to help eliminate questionable negative information and consult you regarding every aspect of your credit, however; if you are seeking a debt management program, we can certainly point you in the right direction. Chances are with a little bit of good advice you can handle the situation on your own.
Do you have any reviews about your company?
Yes, please visit trustlink.org to check out what our clients have to say about us.
What is a credit bureau?
Credit Bureaus are entities that collect and disseminate information about consumers to be used for credit evaluation and certain other purposes, including insurance and employment. Credit bureaus, a type of consumer reporting agency, hold a consumer's credit report in their databases. Credit bureaus have a number of responsibilities under FCRA, including the following:
  • Provide a consumer with information about him or her in the agency's files and to take steps to verify the accuracy of information disputed by a consumer. Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive one free credit report a year. The free report can be requested by telephone, mail, or through the government-authorized website, annualcreditreport.com.
  • If negative information is removed as a result of a consumer's dispute, it may not be reinserted without notifying the consumer within five days, in writing.
  • Credit bureaus may not retain negative information for an excessive period. The FCRA describes how long negative information, such as late payments, bankruptcies, tax liens or judgments may stay on a consumer's credit report — typically seven years from the date of the delinquency. The exceptions: bankruptcies (10 years) and tax liens (seven years from the time they are paid).
The three big credit bureaus: Experian, Equifax and TransUnion do not interact with information furnishers directly as a result of consumer disputes. They use a system called E-Oscar. In some areas of the country, however, there are other credit bureaus. For example, in Texas, if a consumer tries to dispute information with Equifax directly, they must go through CSC Credit Services which is linked to the Equifax database.
What is the difference between FICO score and Vantage score?

The 3 major credit bureaus Equifax, Experian and Trans-Union have been using the information in your credit file to calculate a three-digit FICO score for years. FICO is the score is named after Fair Isaac Corporation, the company that pioneered credit scoring models and sells software to the credit bureaus. FICO scores range from 300-850 and the higher your score the more likely you will be approved and of course, the cost goes down.

To add additional confusion to the already mysterious scoring system the credit bureaus have decided to create an additional brand new credit scoring system, called VantageScore. It is the same concept but uses a different numerical scale. VantageScores ranges from 501 to 990. The system also assigns a letter grade to consumers within certain ranges For example if you are between 901-990 you would be considered an “A” borrower. 801-900 is considered a “B”, 701-800 is a “C” and so on and so forth. The important thing to remember when trying to figure out the difference between a FICO credit score and a VantageScore is to know that FICO is what 90% of the lenders are looking for. VantageScore is developed for consumers. We honestly feel as if the credit bureaus are just looking for another way to charge you more money and confuse consumers. Keep an eye on your FICO score as that is the score that is used by the majority of the financial world.

What is CROA?

The Credit Repair Organizations Act (""CROA"") is not actually an Act, it is actually Title IV of The Consumer Credit Protection Act. Section 401 states, however, it can be referred to as "Credit Repair Organizations Act".

Now more than ever consumers must establish and maintain strong credit worthiness and standing in order to obtain more credit. As a result many consumers who have experienced credit problems seek assistance from credit repair organizations. Some credit repair organizations, however, advertise and engage in unfair business practices which result in financial hardship for consumers, particularly those of limited economic means or are uneducated.

The purposes of the Credit Repair Organizations Act is to ensure that prospective buyers credit repair services from credit repair organizations are provided with the information necessary to make an informed decision. It intends to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. It enumerates prohibited practices, required disclosures, contract requirements, liability, and penalties for non-compliance and procedure to report non-compliance. The statute was signed by the President on September 30, 1996.

What is the FDCPA
The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
What is the BBB?

The Better Business Bureau (BBB), founded in 1912, is a corporation consisting of several private business franchises of local BBB organizations based in the United States and Canada, which work together through the Council of Better Business Bureaus (CBBB). The BBB goal is to foster a fair and effective marketplace, so that buyers and sellers can trust each other (""Start With Trust""). Many BBB services can be accessed online through their website.

BBBs gather and report information on business reliability, alert the public to frauds against consumers and businesses, provide information on ethical business practices, and act as mutually trusted intermediaries between consumers and businesses to resolve disputes. News media frequently turn to the CBBB and local BBBs as expert sources of news about scams and consumer issues. See our company profile.

Who is considered a debt collector?
Under the Fair Debt Collection Practices Act, any person or entity, including lawyers, who regularly attempts to collect consumer debts is considered a debt collector. The original creditor and its employees are generally not subject to the Fair Debt Collection Practices Act, but they are regulated by other state and federal laws; including the Fair Credit Reporting Act.
What is debt validation?
Debt Validation, or "debt verification", is a consumer's right to challenge a debt and receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809[1] of that act.
What is the FCBA?

The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C. § 1601 et seq.). Its purpose is to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in ""open end"" credit accounts, such as credit card or charge card accounts. The FCBA allows consumers to dispute billing errors by sending a written notice of the dispute to the creditor. To trigger duties under the Act, a person must send a written dispute via mail (US Postal Service) to the ""billing inquiries"" address on their credit card statement. This dispute must be received by the creditor within sixty days of the statement date on the account statement that first contained the billing error. This often leads to a chargeback to the vendor.

After receiving notice of a dispute, the credit issuer must acknowledge the dispute, investigate the claim and, within ninety days, either make appropriate corrections to the account or send a letter to the consumer explaining why the creditor believes there was no error. If the creditor responds that they believe there was no error, the consumer can request copies of documentation supporting the validity of the disputed items.

Whats is the Credit Card Accountability Responsibility and Disclosure Act?
The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal law passed by the United States Congress and signed by President Barack Obama on May 22, 2009. It is comprehensive credit card reform legislation that aims "...to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.
What is NACSO?
National Association of Credit Services Organizations advocates industry standards and ethical business practices for the credit repair industry. Founded in 2007, NACSO services to streamline the industry through our Standards of Excellence seal. NACSO members promote compliance throughout the industry on national levels. National Association of Credit Services Organizations' members go through a certification enrollment process to aid in the prevention of fraudulent activity throughout the credit services industry. NACSO's Standards of Excellence goes further than the Credit Repair Organizations Act and touches on items essential to the honest growth of this industry. Click Here to view our report.
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