Frequently Asked Questions

We offer comprehensive credit repair services including:

• Credit report analysis and dispute filing
• Credit bureau negotiations
• Credit monitoring and tracking
• Financial education and credit counseling
• Personalized credit improvement strategies

All packages include direct disputes to all 3 major credit bureaus (Experian, Equifax, TransUnion) and sub-agencies.

We stand out through our personalized approach and proven track record:

• Over 25 years of credit repair experience
• Personalized strategies for each client's unique situation
• Direct communication with leadership (Uncle Mike)
• Comprehensive education throughout your journey
• 95% client success rate
• Focus on long-term financial health, not just quick fixes

We offer three main packages:

• One Round Tester: Perfect for testing our process with one comprehensive dispute round
• Start Up Package: Most popular - multiple rounds of disputes, monitoring, and personalized guidance
• Premium Package: Complete credit overhaul with unlimited disputes and priority support

All packages include secure online portal access, free credit report pull, and ongoing support.

Our proven 3-step process:

• Step 1 - Setting Up: You securely share your information through our portal, and we pull your credit reports for free
• Step 2 - Review: Our experts analyze your reports and create custom disputes to all 3 bureaus and sub-agencies
• Step 3 - Covering All Aspects: We handle the disputes while teaching you credit maintenance strategies

You can monitor your progress 24/7 through your secure online portal.

The timeline varies based on your unique situation, but most clients see results within 30-90 days. Factors affecting timeline include:

• The number and type of negative items on your report
• How quickly credit bureaus respond (they have 30 days by law)
• The complexity of your credit situation
• Your compliance with our recommendations

Complete credit repair typically takes 3-6 months for optimal results.

We can challenge any negative item on your credit report, including:

• Late payments and charge-offs
• Collections accounts
• Bankruptcies and foreclosures
• Judgments and liens
• Repossessions
• Inquiries
• Identity theft items

We challenge inaccurate, unverifiable, or unfair items based on consumer protection laws like the Fair Credit Reporting Act (FCRA).

Yes, credit repair is 100% legal. It's your legal right under federal law (FCRA) to dispute any item on your credit report that is inaccurate, incomplete, unverifiable, or unfair.

We operate in full compliance with:

• Fair Credit Reporting Act (FCRA)
• Credit Repair Organizations Act (CROA)
• Fair Debt Collection Practices Act (FDCPA)

Our methods are ethical, legal, and proven effective over 25 years.

Credit scores range from 300-850. Here's the breakdown:

• 300-579: Poor Credit
• 580-669: Fair Credit
• 670-739: Good Credit
• 740-799: Very Good Credit
• 800-850: Excellent Credit

For most mortgages, you'll need at least 580 (FHA) or 620 (conventional). For the best interest rates, aim for 740+.

Your credit score is calculated based on five main factors:

• Payment History (35%): On-time vs. late payments
• Credit Utilization (30%): How much credit you're using vs. your limits
• Length of Credit History (15%): Age of your accounts
• Credit Mix (10%): Variety of credit types (cards, loans, etc.)
• New Credit (10%): Recent credit inquiries and new accounts

No! Checking your own credit is a "soft pull" and does NOT affect your score. You should check your credit reports regularly.

However, when lenders check your credit for loan applications, that's a "hard inquiry" which may temporarily lower your score by a few points.

We provide free credit report pulls and continuous monitoring as part of our service.

Different items have different reporting periods:

• Late Payments: 7 years from the delinquency date
• Collections: 7 years from original delinquency
• Charge-offs: 7 years
• Chapter 7 Bankruptcy: 10 years
• Chapter 13 Bankruptcy: 7 years
• Foreclosure: 7 years
• Hard Inquiries: 2 years

However, we can challenge these items and potentially get them removed earlier if they're inaccurate or unverifiable.

Getting started is easy:

• Step 1: Call us at (718) 926-7806 or sign up online
• Step 2: Choose your service package
• Step 3: Create your secure portal account
• Step 4: We pull your credit reports (free)
• Step 5: We begin working on your credit immediately

The entire process takes less than 30 minutes to set up, and we start working on your credit right away!

Absolutely! Bad credit is exactly what we specialize in. No matter how low your score is or how many negative items you have, we can help.

We've successfully helped clients with:

• Credit scores as low as 400
• Multiple bankruptcies
• Foreclosures and repossessions
• Extensive collections
• Identity theft damage

With over 25 years of experience, there's no credit situation we haven't seen and helped resolve.