Question: Can your program remove any negative item?
Answer: Our proven system has removed, many times, virtually every negative item that potentially could be listed in a credit report. Certain items tend to be more difficult than others; these include recent bankruptcies (within the last year) and unpaid delinquent accounts. These items can also be deleted, but it usually takes longer. return to top

Question: On my credit report there is a sentence in bold writing, which states that the credit bureau ''does not alter or delete historical data.'' How can your program claim to do so?
Answer: The credit bureaus have been very successful in convincing people that accurate information cannot come off of credit reports prior to the seven year expiration period (10 years for Chapter 7 bankruptcy) and that the consumer can do little, if anything, to challenge verified negative information in his/her credit report. In fact, it is not unusual to see television programs or read newspaper articles that confirm this declaration made by the bureaus. However, in recent years, the credit bureaus have been challenged for making these statements, and now the bureaus are required to declare in writing to the consumer that the consumer can challenge negative information on the credit report. The truth is that the bureaus are required by law to remove any information that is inaccurate, outdated, or unverifiable. According to federal law, if certain information is historically accurate but unverifiable, it must be deleted even if the deletion is prior to the seven-year period the bureaus declare in their letters. return to top

Question: Should I apply for credit while your credit cleaning team is working on my case?
Answer: We recommend if possible, you try not to apply for credit while our team is performing the credit audit verification service. Applications for credit generally require that the lender submit an inquiry to the credit bureau, which, in turn, may negatively affect your credit scores. return to top

Question: How long do I need to be involved in the audit verification process?
Answer: In Utah, the audit and verification program is 12 months. Outside of Utah, there is no set time period. Most state laws require a credit services organization (or credit repair company) to complete services before being paid. Therefore, for customers outside the state of Utah, our professional credit team completes its services of challenges to the credit bureaus each month and then bills its customers. However, it is suggested that the most effective duration to be signed up is 12 months. return to top

Question: Can I be helped if I still have unpaid debt?
Answer: Yes, but the success of removing a negative item reported on a current unpaid debt is substantially lower than if you were to. debt (either by payment in full or for less than the principal). return to top

Question: Will the credit agencies leave a negative comment on my report when negatives are removed?
Answer: No. When mistakes are removed they no longer exist and leave no trace. return to top

Question: Will errors that are removed show up again in a month or two?
Answer: No. Once an error is removed it is illegal to put it back on your support. return to top

Question: If I have already been refused credit will it do any good to use your credit program?
Answer: Absolutely, that is why we are in existence! A lot of people have bad credit. Our program will raise your credit score making sure that you will get good credit and good interest rates. Many people refinance their homes and other loans at lower interest rates after being through our program since their credit score is much higher. return to top

Question: Are all three-credit reports exactly the same?
Answer: No. Each agency has its own confusing manner of reporting your credit. The reports look different and often do not contain the same information. In fact, rarely do they. That is why we request three separate reports, one from each agency. return to top

Question: What if some of the negative items on my report are factual?
Answer: True, derogatory information almost always contains inaccuracies or incorrect reporting that our program will identify, and challenged so it can be removed. return to top

Question: Is it legal to remove true negative information?
Answer: Yes! No law requires derogatory information to be included in your credit report. Our intent is not to defraud but to liberate you from the probation you are serving for past transgressions. return to top

Question: Do Equifax, Experian, and Trans Union own the information on my credit report?
Answer: No, but sadly you do not either. It is actually owned by the merchant or creditor who reported it. return to top

Question: Why do you pull credit reports and clean the credit files in all three national reporting agencies?
Answer: The three big agencies are Equifax, Trans Union, and Experian are the source of all information provided by the hundreds of smaller regional and local agencies. The restoration of the big three covers all reported credit on you. They each have most of the same information but all too often each contain unique information. return to top

Question: What if new, negative information, which was not on my original report, comes in after you begin work on my behalf?
Answer: We highly suggest that do not add anything during the period our program is restoring you credit report. However if a new item appears we will work it for the length of our agreement, which is one full year. return to top

Question: How will I know positive things are happening within my credit file?
Answer: We make sure you get monthly updates so that you can verify the progress for yourself. return to top

Question: Why do my spouse and I have to enroll separately in the program?
Answer: Credit reports are tracked and categorized by social security numbers. Because you and your spouse have different numbers, consequently there are different reports. return to top

Question: How often does erroneous information get entered onto my report?
Answer: Frequently! Experts estimate that 85% of all credit reports contain errors. This information is inaccurate, erroneous, and obsolete and counts against. return to top

Question: I have a bankruptcy, liens, judgments, late payments etc can this program help me?
Answer: Yes! With our system we are able to clear most bankruptcies, lines and judgments. return to top

Question: Are the Credit Agencies a part of the government?
Answer: This is a very common misconception. The "Big Three" agencies are very profitable, huge corporations, which maintain literally millions of files about individual consumers. return to top

Question: How can you restore someone's credit so inexpensively?
Answer: The power of our program is in computer automation. Experts agree it would take you approximately 35 hours per month to write the letters, analyzing reports, drafting challenges, monitoring correspondence, and negotiating deletion of derogatory entries. We save you time and money. return to top

Question: How long does the process take to clean my up my credit?
Answer: It takes 3 to 12 months largely due to the credit agencies continuous mistakes and delays. However most people start to see results within 90 days! return to top