Top Frequently Asked Questions
Absolutely, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. For items on your report that are disputed a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the bureau will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very good at doing that.
With our assistance and disputes processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
As a Marine Corps veteran owned company, yes we do give Veteran discounts of 20% off services.
Yes we can, Dave Overholser the owner, is a licensed Realtor in FL and knows the criteria you need to qualify. If you are local to the Tampa area and are not already working with a Realtor, I can also assist you in buying a home and refunding all your fees that you have paid for your credit repair service, after closing…how’s that for incentive 🙂 If you are outside of the area I have agents in every city and state that I can refer you too also.
You are entitled to a 100% refund on all monthly payments if:
– We do not remove any negatives worked on.
– You have had 120 days (4 consecutive months) from the time that you retain our services.
– You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
– You have had no new collections or missed payments during the time frame we are assisting you
-You have maintained credit monitoring services at all times during the time frame we are assisting you
– You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.
Yes I do, although I can’t to real estate agents and mortgage lenders because of laws pertaining to that, but other wise we give $50 per person or $75 for a couple, and that is paid out on their 2nd month of service.
Good question. First the enrollment fee is paid and then we start working on your reports. There is no charge for personal information deletions or updates. Inquiries are $10 each and everything else is $50 each. A deletion fee is invoiced for the complete deletion of an item. The deletion fees are per item and per bureau. The deletion of ANY item from ANY bureau counts as ONE (1) deletion. The deletion of any account or public record from all three credit bureaus counts as THREE (3) deletions.
After items have been removed and you have a balance you will get a bill for the full amount but you are not required to pay off the balance in full but you must pay at least $75 a month until paid in full.
Great question. We accept Visa, MasterCard, American Express, Discover, and JCB. We understand at the moment you may not have not have a credit card, so we also can accept CashApp, Venmo, Zelle, and even Bitcoin. If you want to use one of these other methods, just contact us for instructions.