You will typically begin to see results within 45 days. The credit education process could take anywhere from 3-6 months for majority of people depending on the individual credit profile. However, each client file is unique and results vary. Credit education is a process that can't be rushed.

We cannot make any promises. We can only fight to remove items that fall under the guidelines of FCRA. These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous. However, we have been successful in removing items such as: Collections/Charge Offs, Inquiries, Late Payments, Bankruptcy's, Repos, Medical Bills, Child Support, and etc.

We don't just send out dispute letters, we educate our clients on how to properly build and structure their credit. Our company is backed by an excellent track record of not only getting results, but providing quality customer service and support. We truly care about you and your credit and will ensure that at the end of the program you will have gained the financial literacy to maintain your credit and let your credit work for you! Credit is wealth.

FICO is the score most lenders use to make credit decisions, while VantageScore is mainly used by free credit apps like Credit Karma. Both scores range from 300 to 850, but they use different formulas, so your numbers may not match. If you're applying for credit, check your FICO—that’s the one that matters most to banks and lenders.

Both FICO and VantageScore are types of credit scores that range from 300 to 850, but they’re created by different companies and used in different ways.
FICO is used by over 90% of major lenders when making decisions about loans, credit cards, and mortgages. It’s considered the industry standard.
VantageScore, created by the credit bureaus (Experian, Equifax, and TransUnion), is commonly shown on free credit monitoring apps like Credit Karma.

Main Differences:
Usage: Lenders rely on FICO; consumers usually see Vantage.
Score Formula: Each uses a different scoring model, so your scores might be different.
Credit History Needed: FICO requires 6 months of history to generate a score; VantageScore only needs 1 month.
Bottom Line: If you’re applying for credit, always check your FICO score—that’s the one most lenders look at.

Must have at least 10 accounts (5-6) primary accounts. Under 30% Utilization preferably 10%, 0 negative accounts, 0 late payments and 0 inquiries

By law, credit bureaus have 30-45 days to respond to disputes and an additional 7 days to mail you the results. Typically, clients can see results in 30 days.

Since everyone's credit situation is not the same, we don't have a definite answer for that. Depending on your credit situation, if you are disciplined and consistent you will reach your credit goals. We recommend that you start sooner than later. Please don't wait until you need to make a big purchase to start the process. Great credit takes time and can't be rushed.

By law, credit education companies cannot guarantee a specific score increase or removal of accounts. Our guarantee is that we are very knowledgeable about credit laws, and we will work with the credit agencies to ensure that your credit report represents your correct credit status. We do promise to work very hard and diligently to help you reach your credit goals.

Unfortunately, no you cannot. You must sign up and complete the credit education package of your choosing.

Consultations are not required, but they are highly recommended. A consultation allows me to understand your credit goals and recommend a repair package that'll meet your needs and cover all bases.