Frequently Asked Questions

 According to the Fair Credit Reporting Act, if an item is not 100% accurate and verifiable, it must be removed from your credit report. Meaning, every piece of information being reported by a creditor must be able to be verified completely.

Our streamlined dispute process is very successful in having harmful items removed from your credit report.

 Late payments, bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, charged off credit cards, student loans, hard inquiries, etc. 

 Accounts are permanently removed. However, there are instances when removing collection accounts that the collection agency may sell the account to another collection agency after we have gotten the item removed. If for some reason you see an account that has already been deleted on your credit report under a new collection company, we will work on that account free of charge. 

 Credit repair is an ongoing process. Every credit report is different and results vary case by case. Clients see progress within the first 30-45 days... some have completed our program in as little as 2 months!

 No. Our goal is to remove or repair accounts without you paying any extra fees. If payment is required to settle a debt, we will set up a debt settlement negotiation with the creditor for an amount less than the balance. Then you can pay a flat fee or we can help set up payments that fit your budget to have the balance paid. 

Average Score Increase in 45 days​

+100 points - 38%

+75 points - 51%

+50 points - 89%

+25 points - 92%

Average score increase in 90 days

+125 points - 63%

+100 points - 84%

+75 points - 91%

+50 points - 97

Average score increase in 6 months

+150pts and up - 47%

+125pts and up - 62%

+100 pts and up - 76%

+75 pts and up - 98%

 Yes. We service all 50 states! 

 We will work to remove negative items on your credit report while helping you build your credit and reach your goals within your time frame. You will receive account set up instructions via email that will give you access to your client portal. There you can check your progress 24/7 and communicate with your credit repair specialist at anytime. 

 Yes! 

 Yes. Our site is Trustwave verified and all of your information is secure and confidential.

 Each client has a secure online portal to access their account and monitor their progress 24/7. We update accounts every 30-45 days!

You can also message our credit specialists at any time.

 Yes, Private Student Loans are included in our dispute process. Federal student loans are included with Rapid Repair.

 We can help with a student loan consolidation, lower your student loan payments to as little as $5 a month!

We can defer the payments if you need more time to pay, or restore defaulted student loans. It just depends on what you need and how the student loans are reporting on your credit report.

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 We RARELY have to settle accounts. Our goal is to have the account removed or repaired without it costing you extra money. However, if an account has been completely verified and meets the FCRA and FDCPA standards, we will negotiate a settlement with the creditor based on your budget. Settlements are typically less than 50% of the original balance owed and can be paid in installments.