How it works

The United States Government has passed many laws under the Fair Credit Reporting Act, all to protect your rights as a consumer. Our Credit Repair system takes advantage of these laws to your benefit. When you sign up for our service, we will handle the process that is required by these laws in order to remove negatives from your credit. We work with our contacts at the three Credit Bureaus that allow us to handle your file far more expeditiously than you could otherwise manage on your own.

Phase 1 - We will obtain your Credit Reports from the three Credit Bureaus: Experian, Trans Union and Equifax. You can also obtain one free report each year at www.annualcreditreport.com . This will tell us exactly what is damaging you credit.

Phase 2 - We send out every legal letter necessary to permanently erase the negative information from all three of your credit files. These letters have been proven to be successful and are occasionally reviewed by our attorneys. This step is guaranteed for Late Pays, Charge Off, Liens, Judgments, Repossessions, Garnishments, Collections, Bankruptcies, Student Loans, Foreclosures, Inquiries and anything else that is damaging your credit rating. Please do not pay on any of these accounts before they are removed!

Phase 3 - While the negative information is being removed from your credit file, we will direct you how to add positive information to your credit file. This is an unknown way of adding real accounts to your credit files to have an A-1 Credit Rating in less than 60 days. As you know, the more positive information on your credit files the more money banks will lend you.

Phase 4 - We will work with the Credit Bureaus to get each of your three files updated. This is the final step to your new FICO. All totaled, these four phases will take less than 60 days. You will now be able to qualify for credit as long as you have a source of income.