As an enrolled client in any of GCB's Repair Programs,You must maintain an uninterrupted subscription to the required credit monitoring service for the entire duration of the program. This subscription is essential to ensure monthly processing by Genius Credit Boutique.

We normally see changes in the first 45 days on average. But if, within the first 90 days of your active participation in any of our programs, no questionable negative items are removed from your credit reports, you are eligible for a full refund. Please note that this guarantee applies only to the removal of negative items and does not guarantee a complete resolution of your credit during this period. Please read full disclosure on the 'Resources' page.

1. if you have no positive accounts left on your profile after the negatives have been deleted then your score might actually go down. 2. If you have some positives accounts left after the negatives have been deleted it will likely go up. The goal is to pay on time and build credit from either position after the delete process is complete.

Sometimes an item that was previously removed will reappear, but that is also covered under the law.

The Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting any items that had been previously deleted. In this case we will revisit and demand that they have observed the law under penalty of being penalizecd or brought to court.

GCB uses "Lawful", Proven and Effective strategies to challenge the credit bureaus, creditors
and their sources on their policies and means of gathering and exposing your information. We attack items onyour credit, using Credit Laws and we duly demand their responses. Our credit challenges are customized to each client's individual situation.

To monitor your progress Please Log into your assigned GCB portal to keep abreast of your progress.

Yes. Removing a foreclosures from your credit report can be challenging, but as with any other entries on your report, if you can find inconsistencies, inaccuracies, or the information cannot be validated it can be challenged and removed just like any other misrepresented item.

Yes. A repossession can be disputed or it can be negotiated with the creditor under a pay for delete agreement. The age of the repossession also determaines how difficult
it might be to get it removed.

You do not want to damage your credit ant futher, so you should do everything within your power to protect your credit profile while we are working on your file. This includes continuing to pay your bills to your greater benefit.

Yes you can. You can pursue any and all means to rectify your own credit with the Bureaus, Debt Collectors or any entity that reports information in your credit profile. GCB is here to assist if you find the task and effort above your capability. There are laws provide for you to do so. GCB exists for those who need help from professionals to use their experience to work on your behalf, using these laws to present your case clearly.

Your rights are protected under several Laws, but ultimately you are responsibility to ensure that the items on your credit are being reported accurately and consistently on your credit reports, under the provisions of those "Acts". If you discover discrepancies in the information that is recorded on your credit reports then you have the right to request that any questionable information be reviewed for accuracy and removed from your reports. under the following: 1-Fair Credit Reporting Act (FCRA), 2-Fair Credit Billing Act (FCBA) and 3-Fair Debt Collections Practices Act (FDCPA). It is your legal right to challenge any inaccurate items with the credit bureaus and or your individual creditors.

Our programs are designed to suit your individual situations. see our SERVICES page.