Frequently Asked Questions

A Credit Services Organization is defined by federal and state law as a business that provides services to help consumers understand their credit rights and work with credit bureaus and creditors. We assist clients in understanding their rights under the Fair Credit Reporting Act (FCRA) and help them work toward regaining their financial standing.

The FCRA gives you several important rights: the right to access your credit reports for free annually, the right to challenge inaccurate, incomplete, or unverifiable information, the right to have challenged items investigated within 30-45 days, and the right to add explanatory statements to your credit file. You also have the right to know who has accessed your credit report.

No. We do not guarantee specific results or credit score improvements. Results vary based on individual circumstances, the accuracy of the information on your credit reports, and how credit bureaus and creditors respond to challenges. We assist you in exercising your rights under federal law, but outcomes depend on many factors beyond our control.

The timeline varies significantly based on individual circumstances. Credit bureaus have 30-45 days to investigate challenges, and the overall process may require multiple rounds of communication. We do not provide specific timeframes as every situation is unique and depends on the complexity of your credit report and the responsiveness of credit bureaus and creditors.

You can challenge any information on your credit report that is inaccurate, incomplete, or unverifiable. This may include incorrect personal information, accounts that don't belong to you, incorrect payment histories, outdated information, or items resulting from identity theft. However, accurate and verifiable negative information generally cannot be removed.

No. Federal law does not allow the removal of accurate, current, and verifiable negative information from credit reports. Negative information can typically be reported for seven years, and bankruptcy information for ten years. We focus on identifying and challenging inaccurate, incomplete, or unverifiable items.

You have the right to challenge credit report errors on your own at no cost by contacting credit bureaus directly. Many people choose to work with a credit services organization because we have expertise in FCRA regulations, experience with the challenge process, and can help manage the documentation and follow-up required. The choice is entirely yours.

We provide detailed information about our fees during the initial consultation. Federal law prohibits credit services organizations from charging or receiving payment before services are fully performed. We comply with all federal and state regulations regarding fees and payment timing.

Yes, we offer a complimentary initial consultation to discuss your credit situation and explain how we can help. This allows you to understand our services and make an informed decision about whether to work with us. Contact us to schedule your consultation.

Our focus is on education and empowerment. We don't just help with the challenge process – we teach you about your rights, credit management, and financial literacy. We believe that understanding your credit and your rights under federal law is essential for long-term financial success. Our approach is compliance-focused, ethical, and centered on your long-term financial well-being.

No. Challenging inaccurate, incomplete, or unverifiable information does not hurt your credit score. In fact, having errors corrected can potentially help your credit standing. However, we cannot guarantee specific outcomes as credit scores are calculated by the credit bureaus using complex algorithms.

Getting started is easy. Simply contact us through our contact form, phone, or email to schedule a free initial consultation. During this consultation, we'll review your situation, explain our services, and answer any questions you have. There's no obligation, and you can decide if our services are right for you.