Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act.

Credit repair has always been important. Mortgage, auto and personal lenders have long relied on your three-digit credit scores to determine if you are creditworthy enough to qualify for a loan. Lenders also rely on your credit scores to determine how much interest you'll pay on these loans. But today, lenders aren't the only ones who rely on these scores when making financial judgments. A growing number of employers tap into the credit information of job applicants when making hiring decisions. Those with low credit scores might lose out on their dream jobs. Even auto insurance companies often rely on credit scores when setting policy premiums. It's clear that having a strong credit score is the key to a stress-free life today.

Your credit score isn't just a number. It can help you or it can hurt you. Some of life's biggest milestones, like buying a home or a new car, depend heavily on your credit score. Good credit can open doors, while bad credit can stop you dead in your tracks.

Credit repair is a legitimate service that’s protected under federal law. You have a right to repair your credit and there’s plenty of good reason to do so, amongst such are:

1) You'll get better rates on a home loan

2) It will help you get approved for rental homes and apartments

3) You'll probably need to buy a car one day

4) You can qualify for premium credit cardsAnd Many More.

We can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories.

We ensure most of our clients see results with their credit in as little as 30 to 45 days! However, while you might be able to see some small wins in as little as 30 days, it could take one year (or even several years) to fix your credit and see significant improvements.

This is because the length of time it takes to repair your credit depends on several factors, including your credit history, the severity of the damage, and how much free time you have to dedicate to improving it.

For instance:

If your credit score took a dip because you recently applied for a bunch of new credit, you may see it bounce back after a few on-time payments.If it’s low because of errors or incomplete information, it could take as little as 30 days to get those removed by the credit bureaus and see your score start to improve.

If your credit score is low because you just filed for bankruptcy, it could take up to 10 years to completely turn it around.