Frequently Asked Questions

What Is Credit?

Credit is when you receive money, a good or a service, and you agree to pay for it in the future—usually with added interest. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.

If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.

What Is A Credit Score?

Your credit score is a 3-digit number on a scale of 300 to 850 that suggests how creditworthy you are—meaning, how good you are with credit and how much you can be trusted to pay back what you borrow. Potential lenders will use this number to decide what kinds of credit cards and loans to offer you. Generally, the higher the score, the better the offers.

There are a few different types of scores, but the two best-known are your FICO Score and your VantageScore. They’re calculated based on the information that shows up on your credit report.

What Is A Good Credit Score?

Generally speaking, there are five tiers of credit score. A good credit score is anything above 670.

What Is A Bad Credit Score?

Anything below 670 is considered poor or only fair credit.

Is Credit Repair Legal?

​Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer the proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Repair Worth My Time and Money?

Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit repair. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

What Can I Expect When I Sign Up For Credit Repair?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a money back guarantee system.

What Is Your 100% Guarantee?

You are entitled to a 100% refund on all payments and fees, if:​

1) You have had at least three consecutive months without score improvement from the time you retain our services.

2) You have at least four negatives on your credit report at the time of sign-up.

3) You do not open any new accounts during active services on your credit report.

4) You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.

5) You send updated reports and letters from the three credit bureaus to us within 5 days of receipt. These will be mailed to the address you provide us with.

6) You give us at least 90 days to improve your scores. Credit repair isn't overnight so we ask that you be patient and give us 90 days.

How Long Will It Take To Raise My Score?

​We cannot legally guarantee that your credit score will improve by a certain point amount. There are too many variables that are different for each client to do that as well. However, through our services, 95% of our clients see their credit score increase by 10 points or more in the first 35 days. And over 6 month period, the average credit score increase is 85 points. Some clients' scores will increase a lot more and some a lot less, it all depends on what is on each individual credit report. We offer support and service of up to twelve months in order to get our clients the maximum benefits of credit repair. 

How Are Your Results Different?

There are two sides to the credit score battle. Our side, which is fully in our control, and the bureau/furnisher side, which requires some patience and persistence on our end. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. If the outcome isn't what we want, we will continue to apply our strategies and exercise our rights as consumers to achieve the desired results. On average, clients are able to remove 70% of the negative items from a credit report. We are also transparent with each and every client which provides a better overall experience for everyone. We are so confident in our ability to help improve your credit, that we offer a money back guarantee on top of everything else!

Will The Removed Items Come Back?

Items cannot come back as long as the item is current or paid at the time of removal, or if the collection is older than three years. This holds true except in very rare circumstances. If the item does happen to come back, we will re-dispute and remove the item for you at no extra cost.

What Items Can You Help Me To Remove and Improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans!

What Actions Hurt My Credit?

Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:

- Not paying bills on time
- Filing for bankruptcy or foreclosure
- Applying for too many credit accounts
- Carrying high balances on your credit cards
- Ignoring questionable negative items on your report

How Can I Improve My Credit?

There are five main contributors to your credit score–payment history, amount of debt, length of credit history, credit mix and new credit. Managing your credit wisely by paying your bills on time, paying debt down and maintaining your current accounts could improve your score.

Beyond these five factors, your credit could contain negative items that are unfair or inaccurate, which can stay on your reports for up to seven to 10 years. If you don't want to wait that long, you can try repairing your credit on your own or you can expedite results by hiring a credit repair company.

Why Do I Have More Than One Credit Score?

We often refer to credit scores as a single number, but that’s not actually the case. Each of the three credit bureaus gives you a customized credit score based on the information on your credit report, and you have a FICO® Score as well.

What Is Credit Monitoring?

Credit monitoring plays an essential role in the credit repair process. First, it gives us a complete look at your entire credit profile from all 3 bureaus. It lets us see what the banks and creditors see when they pull your credit. Second, it allows us to track the progress of your credit repair. It will show us when items get added or deleted and how it's affecting your score. It is required for any legitimate credit repair program and costs as little as $28/month. Free credit monitoring is included in our advanced and sky high packages for as long as you are subscribed.

Free options like CreditKarma will not work because they only show TransUnion and Equifax scores. Experian is not included. They also do not allow for tracking of credit repair progress, and they only show your Vantage credit scores, not your Fico credit scores. This gives an incomplete look at your credit profile. CreditKarma also does not show account numbers and certain information needed for the credit repair process.

I'm Not Sure What's Affecting My Credit, Can You Still Help Me?

Sometimes looking at your credit report can be confusing. We get that! Don't worry if you aren't sure what's on your credit report or what's negatively affecting your credit scores. One of our credit repair experts will review your credit report and create a customized repair plan. We'll also send you an overview of your credit to show you what's going on.

The only situation where we wouldn't be able to help you is if you don't have any credit history. If this is the case, you will need to start building your credit from scratch before you can benefit from credit repair services.

What Are The Three Credit Bureaus?

The three main credit bureaus are Equifax, Experian and TransUnion. When lenders want to see your credit report, they will request it from one or more of these reporting agencies.

Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately to confirm that everything is on the up-and-up.

What Is A Credit Bureau?

Essentially, a credit bureau is a company that tracks your ability to pay. They collect information relating to your financial habits, then make this information available to lending institutions and credit card companies. There are three credit bureaus–Equifax, TransUnion and Experian.

Are Credit Reports & Credit Scores The Same Thing?

No, your credit score is just one piece of your credit report. Your credit report also includes identifying information, trade lines, credit history, credit inquiries, public records, collections and other late payment information.

What Score Do I Need To Get A House?

There are many factors that go into being approved for a mortgage, but you'll need at least a score of 620 to be approved for a traditional home loan. Keep in mind this won't get you the best interest rates possible meaning you'll end up overpaying for your home.

What Score Do I Need To Get A Car?

The minimum accepted score for a car loan will depend on the amount of money being requested, but some lenders will approve scores as low as 500–assuming you don't mind paying extra money in interest. To qualify for the lowest interest rates, lenders typically like to see a score of 720+.

What Credit Score Do I Need To Qualify For Solar?

The industry standard to qualify for solar is a 650 credit score. Some solar finance companies can qualify you with a lower score, but this will ultimately cost you more money in interest and fees. Since your credit repair is free after you get your solar installed, waiting for your better credit score is a no brainer.

Will Credit Repair Really Be Free For Me?

Yes! Once we get your credit score to 650+, your solar rep will contact you in order to get you qualified and set up installation. After this, your rep will reimburse you for 100% of the cost of your credit repair. Not only are you going solar, but you're getting better credit for free in the process! *This is only offered to solar referrals at the moment.*

How Do I Cancel My Service If I No Longer Need It?

If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Just remember, credit repair isn’t going to happen overnight.

To do so, you can cancel your service at anytime by emailing us at Please email us 72 hours before your next billing cycle to avoid being charged for the following month.

How Do I View My Account Progress And Credit Scores?

As we are working with your creditors and the credit bureaus, we’ll notify you of updates to your credit profile via email. When you have items removed or improved, you will see them first on your credit report, which is updated regularly online. To access your account online, use the login information you received during the signup process.

What Happens If I Don't Pay?

We’ll stop your service. We won’t delete your account, but unfortunately, we can’t provide our services for free. If you can’t afford our services, we do offer a referral program. If you provide us with 5 clients that sign up and pay for at least 1 month of service, we will repair your credit for free, up to 4 months of repair service.