What is credit repair ?

Mistakes and other inaccurate information on your credit report aren’t your fault and in a perfect world, wouldn’t affect you. Our world is not perfect, however, and while you may not be responsible for some or all of the questionable items on your credit report, you are probably being held accountable for them.

Stop being blamed for things that aren’t your fault. Check your credit report, and make note of any misleading, inaccurate or outdated information.

How does our service work?

Our service works by working with the creditors and credit bureaus to find legitimate reasons to have incorrect, unfair, or questionable items removed from our clients’ credit reports. Often, we can find violations of certain requirements of those creditors. If we do, we leverage those violations as a way to get the creditor or bureau to remove the item in question.

What items can be removed?

There is no simple answer to this question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant we can only remove items that show to be inaccurate, outdated, or unverifiable.

Questions about getting started?

Why do I need a credit monitoring site?

It is kind of like building a house… The builder needs to know exactly what you want and has to coordinate the process. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed.

Why I have to provide copies as proof of my identity ?

The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs.


Driver’s License
Utility Bill
Pay Stub with Social Security number
W2 Form
Lease Agreement
Bank Statement
Cancelled Check

How long do credit disputes take?

Once a credit bureau receives a credit dispute, they have 30 to 45 days to respond. If your dispute is successful, it should be corrected immediately. If it is not corrected and you receive no response, you may send a follow-up letter. If the correction is denied, you may dispute directly with the original creditor or collector.

What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

Credit Education

Can Creditors share my personal information ?

The simple answer is no without your consent.

15 U.S. Code § 6802 – Obligations with respect to disclosures of personal information

(a)Notice requirements

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

(b)Opt out

(1)In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless—


such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party;


the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and


the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Do creditors have to give me notice to share my information ?

The simple answer is no without your consent.

15 U.S. Code § 1681a – Definitions; rules of construction

(2)Exclusions.—Except as provided in paragraph (3), the term “consumer report” does not include.

t to section 1681s–3 of this title, any—

(i)report containing information solely as to transactions or experiences between the consumer and the person making the report;(MEANS YOU AND ORIGINAL CREDITOR)
(ii)communication of that information among persons related by common ownership or affiliated by corporate control; or
(iii) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer (YOU) is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons;