Frequently Asked Questions

Learn more about credit repair process

First and foremost is our experience. We have over a decade of experience being on both sides of the credit repair industry. Prior to our move into credit repair we worked at one of the largest debt collection agencies in the United States. This experience uniquely positions us to aggressively advocate on your behalf with the methods we know to be most effective in the industry.
Yes. In 1970, the Fair Credit Reporting Act (FCRA) was enacted by Congress as an amendment to the Consumer Credit Protections Act of 1968. The FCRA was passed to ensure that the credit reporting agencies kept accurate records for consumers by allowing those consumers to challenge incorrect or outdated items contained in those reports.
Your credit score is one of those things that doesn't feel important until you need it. Unfortunately, when you do need it fixing a poor credit history or low FICO score can take a lot longer than your current situation allows. This is most common when people are trying to qualify for a home or car loan and need their credit score above a certain number to get the loan funded. We know this and always recommend that our clients get out in front of any potential credit problems they may face in the future.
We offer everyone a 90 day guarantee. If we are unable to remove any negative items from your credit reports we will issue a full refund.
Most of our clients come from the Dallas-Fort Worth metropolitan area, but we can service clients nationwide.
The length of time required to complete the process of repairing your credit will vary based on your specific history. However, our clients on average see about a 104 point change in their credit score at the 90 day mark. You will likely begin seeing results before this between the 30 and 60 day mark.
Your FICO score is the number attached to your credit reports that creditors use as a risk assessment tool. The higher the score, the lower the risk that the creditor is faced with. The name FICO comes from a data analytics company by the name of Fair, Isaac, and Company. Since 1956 the company went by that name until they changed it to Fair Isaac Company in 2003 and finally to just FICO in 2009.
There are 3 major credit bureaus in the United States. Equifax, Experian, and TransUnion are all tasked with the heavy burden maintaining accurate reports regarding consumer credit as to promote healthy transactions between borrowers and lenders through transparency.

PROVIDING CUSTOMERS WITH RELIABLE, FAST CREDIT REPAIR SINCE 2001.