HOME
ABOUT US SERVICES FAQ CONTACT US



How long will it take to see results?
How much does it cost? Are there any hidden fees?
Will this affect my credit score?
What is a charge-off?
If I pay a collections account or a charged-off account, will the negative information be removed from my credit report?
What is your guarantee?



 

How long will it take to see results?
Results are generated in 30 days from the day the dispute process begins.

Back to top

How much does it cost? Are there any hidden fees?
We charge a FLAT rate ranging from $249-$499 depending on what we have to work on. It is a one time fee, no reoccurring charges down the road! We donít hide behind any FINE PRINT!

Back to top

Will this affect my credit score?
Unlike the inquiries generated by lenders, which may have an effect on the score, the FICO scoring system does not penalize consumers for obtaining or reviewing their personal credit reports.

Back to top

What is a charge-off?
A charge-off is a term used by creditors to describe an account that has been unpaid for 180 days or more. When an account has reached charged off status, the debt is then usually assigned to a debt collector.

Back to top

If I pay a collections account or a charged-off account, will the negative information be removed from my credit report?
No. Your credit report will reflect paid charge off or paid collection and will remain on your report for 7 years from the day it is paid. If you pay off a collection/charged-off account that is over three years old(1), you can actually lower your credit score. Sometimes itís better to let mother nature take itís course.

Back to top

What is your guarantee?
Our service is guaranteed, but we donít hide behind any phony statements or false promises. Our service includes the initial consultation, the dispute process and evaluation of settlement alternatives.

We also guarantee that if you do nothing to improve your credit, your credit rating will remain the same. 

(1) The age that we make reference to is not the date the account was opened, more importantly to the score is the DATE OF LAST ACTIVITY(Last Payment)!

Back to top