Your credit score is a number that is calculated based on your credit history such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt. Your credit score can be between 330 - 850.

Enacted in 1970 by the United States Federal Government (15 U.S.C. § 1681), this legislation is meant to protect consumers and making sure their information being reporting to credit reporting agencies is private, accurate, and fair.

The 3 main credit reporting agencies are Equifax, Transunion, and Experian.

We recommend 3rd party credit monitoring sites. We prefer IdentityIQ, but there are others that are also good sites. We do not recommend sites that provide credit reports for free because they typically do not include all 3 credit bureaus.

Each credit bureau has access to different information. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don’t have a collection on one report doesn’t mean it doesn’t exist if another bureau is reporting that collection.

No, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you.

NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, your score is likely to go DOWN.

It all starts by knowing exactly what is being reported on your credit report from all THREE credit bureaus. You can give us a call at 469-248-0294 one of our expert credit advisors can give you a free credit evaluation. From there, your credit advisor will guide you what plans will work best for your credit.

You will speak with one of our expert credit advisors will discuss your credit report and how it relates to the FICO pie chart. We will also discuss general strategy for raising your credit score.

No. Checking your own credit doesn’t have an impact on your credit scores.

Yes. The number of negative items that gets deleted from everyone’s credit report can be very different because no two situations are the same. If an item is not 100% Accurate, 100% Verifiable, and Timely we will work diligently until we are able to help you get it removed. In addition to working on the questionable items that may be on your credit report everyone will benefit by the additional tried and true tactics we will teach you to both raise and maintain your credit score.

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.

No, We are not a debt settlement company

We only share your personal information with the Credit Bureaus and existing creditors to verify the accounts in question.

You do not have to but it's recommended. You can call, text, or go to our website to schedule one.

There is an Initial Investment to cover the Full Consultation and for your Personalized Plan. This charge is usually $399 and $49.99 per month.

To get credit reports, we help you enroll in a 3rd party Credit Monitoring Company. This allows for regularly updated credit reports so you can verify results. They typically give a 7-day trial period for $1 and then begin charging you monthly for their services.

Yes, you can cancel at any time. You just have to pay for any work that has already been completed.