Yes, it is legal and our services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors.

This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Contrary to what credit bureaus want you to believe, credit restoration does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results.

It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Also, there are specific requirements the Credit Bureau, Collection agencies, and Creditor must adhere to, when placing items on consumer credit reports, if these requirements are not met, the negative items can be removed.

We will guide you through the process from start to finish. We have a superb knowledge of the FICO scoring model and experience working with creditors and credit bureaus. Mr. Martin really loves teaching and above all he loves seeing his students grow and do amazing things.

It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money-back guarantee system.

(Clients should receive updated credit reports every 30-45 days. It is the client's responsibility to make us aware if updated reports have not been received).

Initial results can come within 30 Days with some items being removed from your credit report. When getting started with the initial process mail off dispute letters within the first week. Credit Bureaus have 30-45 days to respond to dispute letters, so you will see improvement within the first 45 - 60 days.

NOTE: Each credit report is different, thus credit completion will vary based on your current credit standing and your credit goals. Many clients average 6-9 months in the program.

The number #1 answer to this question is "Mr. Martin" On average, 90% of the negative items are removed from a credit report. We're affordable, trustworthy and our students GET RESULTS! No Hidden Fees.

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.

98% of items do not come back. By law, collection agencies and credit bureaus must notify you before putting items on your report.

Moreover, collection agencies can transfer debts, in which case, you have 30 days to respond to the debt. If an item does come back, we can target to delete it.

With our assistance, our students have had great success with bankruptcies, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, judgments, tax liens and student loans.