Understanding your credit is not always easy. We’ve put together some of the most common questions and answers below to help explain the basics. If your question isn’t answered, get in touch with us and we’ll be happy to help.

Answers You Need

  1. What is credit repair?

    • Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable. Any credit repair agency that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).​

  2. How does bad credit affect me?

    • New credit being difficult, if not impossible, to be approved for

    • Higher interest rates and deposits if you are approved for credit

    • Higher deposits on car rentals

    • Higher auto insurance premiums

    • Difficulty qualifying for a house or apartment rental

    • Difficulty qualifying for a job in which a credit check is required

  3. How long does the credit repair process take?

    • If you have errors on your credit reports that can be successfully disputed, you could see improvement in your credit in under 6 months. To the other extreme, if you have a lot of negative listings that are not in error and a lot of debt to pay off, credit repair could take a while. In other words, It varies from person to person based on their individual situation.

  4. Can I repair my own credit?

    • Absolutely! There is nothing a credit repair company can do for you that you cannot do for yourself. Our DIY credit repair guide will walk you through the process every step of the way.​

How it Works!

With each new client, the first step is is analyzing credit scores and public credit records.


From that point on, a plan is devised for each unique situation. This is discussed and advised during your credit consultation.


Then, we take care of getting the necessary entities (creditors, credit bureaus, and collection agencies) involved to solve each case.