Most Popular Questions


Questions About Our Services

We offer four plans, all available on a month to month, you can cancel anytime for any reason. Click here to see the details of each plan to determine which one is a good fit for your needs and goals.

We recommend that you expect between a 4 – 6 month minimum participation to experience the full effectiveness of our Complete Credit Transformation Process. On average, our clients credit scores are up 129 points in just 57 days and 79% of all negative items are typically deleted within 6 months. However, you should see a noticeable change within 60 days after you enroll.

To protect you and your investment, you receive a one of a kind triple warranty. If working with us doesn’t benefit your credit rating, we’ll give you a full, hassle-free refund. Period.

Here’s the details on our industry-famed triple-warranty:
If, after 90 days of service...

1. You have no items removed from your credit report...
2. Your credit score has not increased...

We’ll offer a full refund upon request - no questions asked.

And finally, our LIFETIME guarantee:

3. If any of the negative items we successfully dispute and have removed from your credit report show back up at ANY time,

We’ll dispute it again, free of charge, no questions asked.

This guarantee is our motivation to do an extremely thorough job for you. If, because of what we do, your credit rating goes up (and stays up), we know we’ve done our job. If it doesn’t, you pay nothing.

Repairing credit isn’t easy, if it was, everybody would have great credit. Credit repair takes time, requires patience, persistence and an understanding of how the law works. That’s where my expertise and experience will best serve you.

First we recommend that you watch the video to see how we work. The video will answer almost all questions you’ll have and help you get to know who we are, and why people choose us.

Then you’ll need to schedule your complimentary 15 minute credit transformation session.

You’ll need to forward us the most recent copy of your credit report before your scheduled phone appointment. If you don’t have your credit report, you can order it here. Forward a copy of your credit report or the login information for your credit monitoring company.

After your consultation, If we mutually decide we’re a good fit to work together, we’ll move forward.

Now you’ll need to choose which of the four transformation plans is right for you.But we’ll make a professional recommendation based on our assessment of your credit report and determining what your needs and goals are.

Once you enroll online or by phone, within twenty four hours we’ll setup your private secured online client portal, where you can track your progress at any time, upload results you’ll receive from the credit agencies by mail and submit your questions or comments whenever you need to.

Within thirty five days after the day you sign up you’ll receive results from the credit agencies and creditors by mail. You can expect a get monthly update call and report from your assigned coordinator to update you on the progress of your case.

By your second round, within 60 days you should see a noticeable change in your credit report. All negative accounts that still remain, we follow up and dispute again. Sort of like a game of chess, we determine which dispute method we’ll use based on the responses from the credit reporting agency or creditor and the law that they’re violating, if it applies.

You should expect between a 4 – 6 month minimum participation to experience the full effectiveness of our Complete Credit Transformation Process. The road to better credit takes time, lots of effort and utilizing the help of someone who is knowledgeable with consumer protection laws like the FCRA but also knowing how and when to dispute.

We are based in Maple Shade New Jersey, with an additional office location in Alpharetta Georgia, but we provide service in all 50 states. Our consultants are conveniently available by phone, Skype and email.

L.E.A.F Credit Solutions
10 Willow Rd
Maple Shade NJ 08052

L.E.A.F Credit Solutions
44 Milton Avenue
Alpharetta GA 30009

You’ll receive reports by mail from the three credit reporting agencies. The reports you get in the mail will show exactly which negative accounts are deleted and what is still remaining. You’ll also have online access to your own secured client portal, which we’ll keep updated so you can review your account at your convenience.

Every creditor has their own criteria you must meet in addition to the credit score required for you to get approved. So unfortunately that’s something we cannot determine. Many of our clients have been approved for various types of loans , but they were never told by us beforehand, that they’d be approved.

Scenarios of why we can not tell you if you’ll get approved for a loan:

A. What if a lender requires you to have a two year employment history on the same job, but you’ve only been on your job for 18 months.

B. What if your income isn’t sufficient enough to qualify for the loan amount that you applied for.

C. What if the lenders minimum score requirement is 680 and your credit score is 672 because two of your credit cards are maxed to the limit and the third one is at 90% of the limit and your score is lower due to high utilization.

Unlike having your credit pulled when applying for a mortgage or auto loan, signing up for credit monitoring won’t add a single inquiry to your credit report, but it will give you and us, the convenience of viewing your credit report and scores each month so you know what progress has been made.

On average, our clients credit scores increase 129 points in just 57 days, and almost 79% of negative accounts are successfully removed within 6 months after they sign up. We use a wide range of advanced dispute methods to achieve the best possible results for our clients.

Our huge success with getting great results is mainly due to our unique approach. Unlike most companies when we repair credit we work on all five factors that make up your credit score – as opposed to just sending out disputes to the credit agencies, which only addresses payment history, which is just one of the five factors.

Our credit consultants are trained, experienced and knowledgeable about federal laws like the Fair Credit Reporting Act and Fair Credit and Billing Act which can be used as leverage to remove inaccurate, outdated, unverifiable negative accounts that are harming your credit and hurting your credit scores.

Credit problems can cause stress, so we do our absolute best to provide you the best results and support you with excellent mind blowing client support. Your personal information is protected by the highest possible security encoding, to be certain that your privacy is protected.

An assigned personal client coordinator will work closely with you to support and guide you, throughout the process. We’ll also provide you effective, easy to use tactics for maintaining your credit. We believe that everyone deserves another chance and we want to help you get it.

We are a New Jersey based company serving all 50 states, yet we carry out our operations virtually, saving you time, money and give our clients the convenience and flexibility they want.

Every consultation, credit repair enrollment and monthly update is completed by phone or online . Our clients have expressed that they appreciate the convenience of never having to sit in one minute of traffic, wasting money on gas or camping out in a waiting room with 5 other people in front of them, just to receive service from us.

Being virtual has it’s benefits. We can have more than 25 consultations in 25 states all in one day via Skype or phone. You have the flexibility to choose the time and method you’d like to use for your consultation or enrollment.

You have two options to get started:
1. You can conveniently sign up here online.

2. You can contact our office at 1(800) 818-6358 and inform one of our friendly team members that you are ready to get started and we will handle the rest.

Because we have worked on thousands of credit reports, we’ve seen every trick and tactic collection agencies and credit reporting agencies use and we have the experience it takes to win against them.

We stay up-to-date with consumer laws that we utilize to help remove inaccurate, outdated, unverifiable negative accounts like collections, charge-offs, judgments, repossessions, bankruptcy and even foreclosures.

Credit Repair - We get straight to it – because the sooner we begin – the sooner you’ll qualify for lower interest rates and save more cash month by month! Furthermore, credit repair is an essential step towards a better future in which you will qualify for home and auto loans.

Credit Building - We help you open new accounts and build/rebuild your credit history. Even if you’ve already been turned down for credit, we’ve built relationships with creditors that will approve you regardless of your current scores or history. This is a valuable asset that you can use to help raise your credit scores in little to no time.

Inquiry Removal - Inquiries account for 10% of your Credit Score and too many can severely damage your Credit Score, as they remain in your Credit Report for two years. We are experts in disputing inquiries and getting them removed altogether. Each service is available as a separate item, so clients can choose just one or combine them to produce the perfect package for their requirements.

Business Credit Building and Funding - We help business owners build credit in their business name so they can get vendor, store, and cash credit with no personal credit check or guarantee; credit that’s linked to your business EIN not your social security number. You can start to secure and build immediately! Plus we also help you get funding for your business, RIGHT NOW, whether you are a startup business or have personal credit challenges.

Leaf Credit Solutions will safeguard the security of your data with state-of-the-art technology and strict administrative procedures.

The Leaf Credit Solutions web site uses the highest standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To use Leaf Credit Solutions' 24/7 Case-Tracking Service, or to log in to the client section of our web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your credit card information and all personal information whilst it is being transmitted via the Internet.

When requesting any type of assistance from the credit reporting agencies they require personal identification to be provided.

One document from each of the two categories below are acceptable:

One item to validate ID such as:

  • Valid Driver's License
  • Social Security Card
  • Pay stub
  • W2 form
  • 1099 form
  • Court documents for legal name change
  • Birth Certificate
  • Passport
  • Marriage Certificate
  • Divorce Decree
  • State ID
  • Military ID

AND one item to validate address such as:
  • Valid Driver's License
  • Utility bill with the correct address (Gas, Water, Cable, Residential phone bill)
  • Cell phone bill
  • Pay stub
  • W2 form
  • 1099 form
  • Rental Lease Agreement/House Deed
  • Mortgage statement
  • Bank statement
  • State ID

Ordering free credit reports is not recommended when you’re going through the credit restoration process. Free credit reports lack the detailed information needed to properly prepare your disputes. For example, free credit reports don’t provide the account numbers of the creditors who you have history with, and the monthly payment history associated with each of your accounts isn’t included. Two important components that are necessary for credit repair to be effective aren’t included with free credit reports. You may invest a few dollars when you purchase a credit report from an online website, but it is worth the investment.

If Leaf Credit Solutions pulled your credit, it would result in an unwanted inquiry and could have a negative effect on your credit score. You can avoid inquiries and prevent your score from going by getting a copy of all three credit reports in minutes with IdentityIQ. Click here to go to IdentityIQ. We can assist you if you have difficulties or if your access to a computer is limited. You can call us at 1-800-818-6358 or email us at

Leaf Credit Solutions has on online web based portal that clients can access 24/7. Each client is assigned a distinct username and password that gives them access to stay updated about the progress of their credit as it’s being repaired. Our process is efficient and transparent, so you don’t have to wonder what we’re doing, you can see!

Leaf Credit Solutions pays a $50 referral fee to anyone who refers a client to us. If you are an existing client, you have the option of applying that $50 towards your service fees. There is no limit on the amount of referrals that you can send.

Questions About Credit

FICO scores range from 300 to 850 points. Individuals with higher scores are considered a lower credit risk. Generally speaking, a score above 700 is considered very good. Consumers above the median score will get the best interest rates on credit cards and loans; as credit scores decrease, interest rates and fees will gradually increase. The following is a distribution of credit scores:

  • ABOVE 730 – Excellent Credit.

  • 700 – 729 – Good Credit.

  • 670 – 699 – Your file will be more closely scrutinized.

  • 585 - 669 – You will not be eligible for better rates. You are deemed higher risk.

  • BELOW 585 – Creditors will need to regard other information in your application and you may be limited by the types of credit available.

You can retrieve a copy of your credit report with IdentityIQ. Click here to go to IdentityIQ.

The best way to start building credit is to gradually increase the amount of personal financial accounts you hold (within reason and affordability, of course). A good way to start is with a secured credit card – a credit card that is tied to a security deposit. You make monthly payments, just like a normal credit card, but the credit card company can use your deposit should you default. This way, credit card companies reduce their risk when lending to a person with no credit history, and you can start building a history of timely payments.

You should enroll in a paid credit monitoring program so you can receive alerts as changes happen with your credit. Statistically, fewer than 10% of the population looks at their Credit Report annually to check whether there are any incorrect entries which are damaging their Credit Score. Most people don't find out that something is wrong until they want to buy a home, a car or re-finance a property and their application is rejected!

Take a look at what one study revealed:

  • 80% of the Credit Reports contained significant mistakes

  • 25% contained mistakes that would result in the rejection of credit applications

  • 55% contained personal identifying data that belonged to a stranger, was long out-of-date or otherwise incorrect

  • 30% of Credit Accounts that had been closed by the consumer were incorrectly reported as being in debt

You can request your own Credit Report as often as you choose - without hurting your score. However, if your Credit Reports are requested by a third party, such as potential creditor, business or employer, each request counts as an Inquiry and can negatively affect your credit score. This is why we ask you to order your personal credit reports and send them to us.


Questions About Credit Repair

The short answer is yes, credit repair is legal. But don’t just take my word for it, you can check for yourself. There are federal laws that prove credit repair is one hundred percent legal and ethical. The government gave you, me and every citizen of this country the right to challenge information on our credit reports. Every negative account on your credit report must meet three very specific requirements or it MUST BE REMOVED.

  • Must be reporting 100% accurately

  • Must be 100% verifiable

  • Must be reporting within allowable timeframe

  • Our signature Credit Transformation Process is tailored to fully comply with all state and federal laws, while at the same time exercising your rights.

No. That assumption would seem to make sense, but it act. When you pay a negative account, it won’t be removed , it will remain on your credit report for seven more years from the date you pay it in full.

The restoration of your credit report is not an overnight project. You should reasonably expect this process to take somewhere between 35 days and eight months, perhaps even a year. The delaying tactics and obstacles the credit bureaus will be throwing at you will be used on an on-going basis to prevent the restoration of your credit report.


Yes, you can. However the process is complex and time consuming. To be effective, you need to learn the quite a few credit skills, and are required to wear the hats of an attorney and CPA. The question is: How valuable is your time, and do you have the aptitude and inclination to put in the necessary time and effort? Our preferred credit dispute experts (and on staff attorneys) are credit restoration professionals. They work day and night, 24/7, to protect your rights in accordance with all applicable consumer protection laws. With the sheer volume of accounts handled they have the expertise to complete a task faster and more efficiently than a layperson could. But just as you might not choose to repair you own vehicle, it isn't necessary to tackle credit repair alone.

It is a direct violation of the Credit Repair Organizations Act, If an individual from a credit repair company has told you they can remove all of your negative accounts. Unfortunately there are shady people in every industry and being compliant does not mean anything to someone looking to make a quick buck.

Often times when someone says they’ll get everything removed they’re going to perform an illegal tactic called “the credit sweep” which can sometimes remove everything quickly, but it could also land you in jail or the very least get you bought up on charges. The sad part is they’ll file identity theft on your behalf and submit it to the credit bureaus without you knowing. This is q quick fix and it can be very costly. Usually they charge between $1500 - $3500 for the service and they don’t disclose that there is a great possibility the items can reappear. They make it sound great at first, but good look with a refund. Anytime you take a shortcut there is risk involved. Cutting corners is not worth it. I have had some clients who have come to us after they were a victim of this type of unethical scam and it always ends the same way. Trust me, it’s not worth your time, your money or your freedom.

Not at all. The law limits the length of time that negative items can remain on your report to a maximum of 7 years. But the credit bureaus are able to delete these negative items any time they deem fit.

Remember: Any item on your credit report that doesn’t meet the three requirements of reporting one hundred percent accurately, being completely verifiable, or reporting within the statute of limitations MUST BE REMOVED from your credit report. Even if you didn’t pay the account, it’ must be removed, that’s the law.

There is no item that can’t be removed, if the item in question isn’t accurate, isn’t verifiable or reporting within the allowable timeframe. According to the United States Public Interest Research Group over 79% of credit reports contain errors, which would mean according to those statistics a very high percentage of negative accounts would fall into the category of being eligible to be legally removed. There is no company that can guarantee the removal of negative information, so beware of anyone who does guarantee they can. But you should get insight on the success rate of any company you consider hiring and ask them what their deletion rate is.

When negative information is found to be on your credit report in error, then it will rarely reappear on your credit report once we have successfully disputed the claim. In the event that this does happen to you in error, the credit-reporting agency is required by law to notify you that this has happened.

Yes, you can. However the process can be very complex and time consuming. To be effective, you need to learn quite a few credit skills, and are required to wear the hats of an attorney and CPA. The question is: How valuable is your time, and do you have the aptitude and inclination to put in the necessary time and effort? Our preferred credit dispute experts (and on staff attorneys) are credit restoration professionals. They work day and night, 24/7, to protect your rights in accordance with all applicable consumer protection laws. With the sheer volume of accounts handled they have the expertise to complete a task faster and more efficiently than a layperson could. But just as you might not choose to repair you own vehicle, it isn't necessary to tackle credit repair alone.

The Fair Credit Reporting Act states that all information on your credit profile must be reporting 100% accurately, be verified by the creditor , and report within the time guidelines or the item in question is to be updated or deleted. Even if the item in question belongs to you, it must be reporting accurately and be verifiable or it must be deleted. Most creditors are poor record keepers and the bureaus are notorious for reporting information inaccurately, so getting negative accounts removed is highly likely depending upon the experience level of the person or company disputing your accounts.

Submitting your disputes online is convenient for the credit bureaus, but online disputes are a horrible idea if you want to maximize y chances of a successful dispute.

When you submit a dispute online, it goes into an expedited dispute resolution process, which is better known as “EDRP”. This may sound great, but the Fair Credit Reporting Act states that if a dispute is submitted online, the credit bureaus don’t have to comply with certain sections of the law. Typically, when an item comes back as “Verified,” you can request the “method of verification,” but if the account is disputed online, the credit bureau can ignore this part of the law. If you are looking for the best possible result, avoid disputing online.


Questions About Partnering With Us

To partner with us and refer people to the most amazing credit services company, this is what you need to do:

  • Apply for the program, its 100% FREE.

  • Accept the Terms & Conditions

  • Review your welcome email containing your affiliate username, site password, and details for tracking information through your affiliate portal

  • Review policies regarding keyword use, demographic information, and language requirements

  • Complete, sign, and return the W-9

  • Review follow-up email for your unique referral phone number

  • Save all emails received from Leaf Credit Solutions for future reference

Your clients are important to you as well as us, so we don’t allow anyone you refer to slip through the cracks. Once we set up your free affiliate account, you can send leads securely right through your online, private secured portal. Just fill in the basic client data and you can add “notes" and “attachments”. When you add a client/lead to your portal, they’ll show up in our lead inbox with your affiliate contact information linked to it so we know exactly who sent the new lead and the online system gives you the ability to track all the communication and results from each lead/client. Lets just say the customer didn’t sign up for our services when we first reached out to them. Perhaps they couldn’t get started because the cost wasn’t in their budget, or maybe they wanted to shop around and research a few other companies before making a decision. But what if two months later that same customer contacts us and decides that they would like to move forward with using our services, and you’ve lost contact with the client, and don’t know their back in the market for that (home, car. or personal loan), once we look them up in our system and switch their status form “lead” to “customer” the system recognizes that the customer is connected to you and you'll receive an email alert that the customer has signed up for our credit repair program. This process is to make sure you never lose a customer, even if you haven’t been in contact with them. This is a more effective process than relying on the client to call and risking your commission.

We offer four service plans to fit the specific needs and goals of the clients we work with. For more detailed information and to gain a better understanding, click here to review our packages . Our credit repair service is provided on a month to month agreement, can be canceled anytime, is backed by our No Risk Money Back Guarantee and comes with a lifetime warranty on all negative accounts that get deleted from your credit report. The average case can typically take between 3 to 6 months to complete. Click here to view our credit repair packages.

Our customer support department will contact your client to collect all the documentation we need to complete the enrollment process.

Absolutely not. Each client can conveniently track the progress of their results online 24/7, right from their desktop or mobile device.. Their secured online client portal will give them a detailed report of their credit scores, which accounts have been deleted, which accounts are still in dispute, and the exact date they are due for their next update report. Our support department is also available 9 AM - 7 PM EST Monday through Friday.

As an affiliate partner you can conveniently access your entire list of clients from your affiliate portal online 24/7. You can also submit comments, questions and receive responses directly through your online secured portal. You’ll even get a detailed monthly report on the status of all of your clients, so you know what’s going on with your pipeline.

  • Your clients are our top priority, we built our business solely from referrals we get from satisfied clients, plus affiliates who increased their income because of the credit repair service we provide.

  • We also offer a No Risk – Money Back Guarantee, and lifetime warranty on all accounts that get deleted. If customers don’t get results, they don’t pay anything.

  • We have a 5 star rating with customers and affiliates. Click here to view our ratings.

  • We are compliant with the Credit Repair Organizations Act.

  • If a client doesn’t pay their current obligations on time, while they’re going through the credit repair process, their scores will decline. It’s important that a client complies with the terms of service and follow our recommendations in order to get the best possible results.

  • If new derogatory accounts are reported to their credit during the credit repair process, it can cause their credit score to decline.

  • If the clients revolving credit balances increase significantly during the credit repair process, it will cause their credit scores to decline, utilization ratio has a 30% impact on a credit score, so it’s important that they maintain a balance that's lower than 30% of the credit limit. We communicate all of this information to the client during their quality assurance call so they know what is expected in order to see the best possible results.

An outcome can’t and should not be guaranteed, because the outcome cannot be predicted. The Credit Repair Organizations Act strictly prohibits credit repair companies from promising a certain result because every credit repair case is different and so are the circumstances surrounding them. Our policy is simple, Clients pay nothing if they don’t get results.

We have a full no questions asked 100% money back guarantee and lifetime warranty on every account that gets deleted.

Most credit repair companies send basic disputes to the credit bureaus and don’t offer customized advanced disputes, which are more effective.Our process is thorough, but the results have proved to be more effective. The credit repair industry average for getting negative accounts removed is 20% - 35% and Leaf Credit Solutions has a 79% deletion rate because of our advanced dispute tactics.

We work on improving all five factors that impact the credit score, typical credit repair focuses only on one of the five factors by sending disputes to the credit reporting agencies. If there is a need, we help clients establish new accounts. Over the past 5 years we built a network of creditors that we utilize to help our clients establish new credit. Most of the companies will open new accounts and approve them regardless of their current history or scores. This is a huge benefit to clients!

We inform clients that they should expect between a 4 – 6 month minimum participation to experience the full effectiveness of the Credit Transformation Process.On average, our clients credit scores are up 129 points in just 57 days and seventy nine percent of negative accounts are successfully deleted in less than 6 months.

Statistics show that 20% of people that are denied for a home loan because of credit issues end up purchasing a home within just twelve months after they were denied. Why not provide a solution, keep them in your pipeline and build a massive pipeline of “not now” clients instead of turning them away. In just a few short months of patience you’d be surprised how your income could easily double or triple.

Clients can complete the enrollment process by phone (1.800.818.6358) or online at

  1. Client can make initial payment via phone or online through our website. All major credit cards and debit cards are accepted.

  2. Client agreement can be signed online when they log into their customer portal

  3. Client must submit a copy of their driver license and social security card by or uploading it to the “attachments” section in their online secured client portal

  4. Their credit repair process will start within just 72 hours after their enrollment or triple.

Yes, we offer compensation to affiliates, as long as they are not in an industry that doesn’t prohibit you from receiving compensation. If your industry doesn’t permit you to receive payment, you can still refer clients and still get the real true benefit of increasing your income and closing deals your competitors are turning away.

Things we need to receive from you in order for us to pay you commission:

  1. Signed affiliate agreement

  2. 1099 form completed and signed

  3. Non-compete agreement signed

Yes. All new affiliates will receive banners, text links, email, and scripts. I recommend that you customize your message and use your own tone and voice.

No, there is never a cost to join our affiliate program. Once you’re approved to join, you will receive access to your unique links, allowing you to begin earning commissions immediately.

Payments are made by the 15th of each month

You can choose your preferred method of payment. Please specify your method of payment when you complete the affiliate partnership application whether you desire:

  • check

  • direct deposit

  • PayPal
  • Yes, you can build a team of affiliates under you, as long as they agree to our terms. We are not a multi-level marketing company and do not allow our services to be promoted using multi-level marketing practices.