Plain and simple: We improve credit scores with experience, persistence and pressure. The government and the credit bureaus try to give consumers the impression that nothing that can be done to change the information on your credit reports. This is a complete lie and there is nothing further from the truth.

Federal law gives everyone the explicit right to have misinformation on your credit reports removed and you are responsible for assuring that your credit reports accurately represent your behavior as a consumer. Specifically the Fair Credit Reporting Act (FCRA) gives you the right to contact credit bureaus and dispute items on your credit reports. If the credit bureaus cannot verify that the information on your credit reports is correct, then those items must be deleted. In other words; if the creditor or furnisher of information does not respond appropriately, the credit bureau is forced to delete the disputed items. We use these laws and our experience to your advantage. You can attempt to improve your credit yourself and we encourage you to try; however, hiring an experienced company like ours definitely has advantages. We can save you time, money and aggravation.

Once you sign up, you will need to obtain your credit reports from Equifax, TransUnion and Experian. We can help you obtain all 3 credit reports quickly and easily. After you forward the reports we will need some time to complete the computer data entry and review of your reports. We immediately begin working to improve your credit.

Below is a basic representation of how our Credit Improvement Service cycle works. We repeat this cycle until all of the questionable negative items are removed and your credit scores are at their highest or until you cancel.            

Effective & Affordable