Credit restoration refers to the process of disputing mistakes and errors in your credit reports. Each credit reporting agency maintains its own version of your credit report.

Even though they strive to maintain accurate information, mistakes can occur. Credit repair is the process used to correct those mistakes by submitting a dispute to the credit reporting agency that issued that report. If the information cannot be verified within 30 days, the credit bureau must delete the item you disputed. Credit restoration is the process used that allows you to correct negative items on your credit report that could be hurting your credit score.

Examples of items that can be disputed on your credit report:

• • Late Payments
  • Closed Accounts
  • Charge Off Accounts
• • Collections
  • Evictions
  • Repossession
• • Bankruptcy
  • Inquiries
  • Student Loans

Everyone's credit situation is completely different, so how long it takes for you to achieve your expected results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part, the auditing and creating dispute letters based on your reports, usually within 48 hours from the date we receive them. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.

Credit Reporting Agencies get 30-45 days to send your “Investigation Results” after they receive your disputes.

This doesn’t mean all disputed items and/or accounts will be deleted during that time frame.

We can’t guarantee a time frame all disputed accounts will be deleted.

However, we are excellent at getting our clients ultimate results!

There’s no way to predict where our clients’ credit score will and after the erroneous, obsolete, and negative information is disputed. Several components dictate a credit score.

An excellent credit score is weighted on all of these components. You must have positive accounts with good payment history to an excellent score.

There’s no way to predict where our clients’ credit score will and after the erroneous, obsolete, and negative information is disputed. Several components dictate a credit score.

An excellent credit score is weighted on all of these components. You must have positive accounts with good payment history to an excellent score.