What's the best way to improve credit score?
Aside from long-term responsible credit use, the best way to improve credit score is to remove the derogatory items on your credit report that are dragging down your score. Often, these items are questionable or inaccurate, and it is your right to dispute them to have them removed. With
credit repair services, this process is done for you by experienced legal professionals.
Is credit repair legal?
Although some creditors might like you to believe otherwise, there is nothing illegal about enlisting a credit repair company to improve credit score. In fact, in our credit repair process, we actually use federal legislation to help you get items removed from your credit report. That is where our legal expertise comes in handy - we know the laws, respect them, and use them to your advantage.
How long does it take to improve credit score?
This is largely dependent on how fast you send us your credit report, the nature of your case, and how cooperative the credit bureaus are. You may not see the same results as another client, though you might also see better results. On average, our clients see 8.7 deletions, or 25% of their derogatory items, from their credit reports by the third month of service. By month 12, our customers enjoy an average of 28.6 deletions, or about 85% of their presented negative items.
Does paying my debts improve credit score?
Though this makes logical sense, credit scores don't quite work this way. If you pay off your old debts, the derogatory item on your credit report remains. Even after you've paid, the debt usually appears on your report as a charge-off, collection, or paid delinquency. In other words, you won't improve credit score by only paying bills off. The best way to improve credit score is to supplement these efforts with credit repair.
Can I improve credit score on my own?
Yes, by law, you have the right to dispute items on your credit report. If you have some experience and do a lot of research, you could probably do some of what a credit repair company would. This is similar to choosing to represent yourself in court rather than getting a lawyer. Most disputes are initiated by consumers working alone, but the majority of consumers give up before they are successful. Having a vast body of experience and expertise on your side makes your chances of success much higher.
What is your refund/cancellation policy?
We have a no-risk refund policy that will refund all or some of your money if we don't delete enough items from your credit report. We understand that you want to improve credit score, and we don't think you should have to pay for unsuccessful service. You are also free to cancel at any time.
