Frequently Asked Questions

---

Credit repair is the process of correcting inaccurate, outdated, or illegally reported information on your credit report. While most companies rely on generic letters, we use a legal-backed credit restoration system that disputes errors, audits compliance, monitors for federal violations, and escalates matters to attorneys when necessary. Our approach focuses on accuracy, enforcement, and long-term results rather than shortcuts or outdated tactics. 

Most clients who have tried credit repair in the past were put through identity theft affidavits, fake police reports, or so-called credit sweeps. These methods have been heavily targeted by the FTC and no longer work, and in many cases they actually cause more damage. We do not use illegal or outdated strategies. Our system is built on federal compliance, forcing credit bureaus and collectors to follow the law, documenting violations when they fail, and escalating cases through intent-to-sue notices and attorney involvement when necessary. This is enforcement, not guesswork. 

We cannot guarantee specific deletions, as no legitimate company can. However, we do offer a Six-Month No-Results Guarantee. If you complete your onboarding, follow our instructions, and after six full months there are zero improvements to your credit profile, you qualify for a full refund. In most cases, by month six we are already in the legal escalation or lawsuit preparation phase, and legal action continues even if a refund is issued. 

Yes. In most cases, bad credit is the result of inaccurate or illegally reported information. Collections, charge-offs, repossessions, late payments, and other negative items frequently contain reporting errors or compliance violations. We analyze every account for accuracy and legality, dispute what is incorrect, and escalate when the law is not followed. If it is being reported incorrectly, it can be challenged. 

We offer a Six-Month No-Results Guarantee. If there are no improvements after six full months and you have followed all required steps, you are eligible for a full refund. Once work begins, including analysis, certified mail, dispute creation, and legal strategy, those actions cannot be reversed, which is why refunds are based on results rather than preference. Legal action continues if violations are present, even if a refund is issued. 

Collections are handled under the Fair Debt Collection Practices Act, not just standard disputes. We send refusal-to-pay and cease-and-desist notices when appropriate, which legally require collectors to stop contacting you and update reporting correctly. If a collection agency continues to call, text, email, or report inaccurately after receiving notice, they violate federal law. These violations are documented and escalated to our attorneys for legal action and potential compensation 

Charge-offs can be corrected or removed when the reporting is inaccurate, incomplete, outdated, or unverifiable. We dispute the information directly with the furnisher and require proper documentation. Many creditors are unable to validate charge-offs correctly, especially after accounts have been sold or transferred, making them eligible for removal. 

Late payments can be removed when they are inaccurately reported, improperly verified, or not supported by valid documentation. We challenge the creditor’s reporting and force verification under federal standards. If the creditor cannot prove accuracy, the late payment must be corrected or removed. 

Hard inquiries must be authorized. If a company cannot prove that you gave permission for the inquiry, it can be disputed and removed. Unauthorized inquiries may also create legal violations, which strengthens your position and improves the likelihood of deletion. 

Yes. We remove outdated names, addresses, phone numbers, and other personal data tied to negative accounts. Cleaning personal information improves dispute success rates and reduces the chance of accounts being re-verified. 

Yes. Bankruptcies are often reported inaccurately, with mismatched dates, balances, or court information across bureaus. We challenge the accuracy of the reporting and escalate when it does not meet federal reporting requirements. 

Repossessions frequently contain errors such as incorrect balances, improper fees, insurance disputes, or inaccurate deficiency amounts. If the creditor cannot verify every detail of the reporting, the account becomes disputable and may qualify for removal. 

We handle evictions reported on credit reports and through secondary bureaus such as LexisNexis and CoreLogic. If eviction data is inaccurate, unverifiable, or improperly furnished, we challenge it and escalate as needed. 

Military members face unique credit risks due to deployments, PCS moves, and frequent address changes. Our Military Credit Protection Plan includes credit restoration, identity monitoring, PCS and relocation support, overseas assistance, and compliance defense against unauthorized activity. It is designed to protect both financial readiness and career stability. 

The Bad to Bankable Program is designed for entrepreneurs who want to move from poor credit to full funding readiness. It includes personal credit restoration, business credit structuring, vendor accounts, funding preparation, lender strategy, and ongoing business coaching. The goal is to make you bankable, fundable, and positioned for high-limit credit and capital access