frequently asked questions

Is Credit Repair Legal?

1.  Is credit repair legal? 

The short answer is YES credit repair is legal. But don’t just take my word for it. There are federal laws that prove credit repair is legal.

The government gave every citizen of this country the right to challenge any information on your 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 the allowable time frame

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

How does the process work?

2.  How does the process work?

The Complete Credit Transformation Process is our signature “done for you” process that can take you from bad or "so-so" credit to excellent credit in just months. Our team of credit dispute professionals will use advanced tactics to remove all inaccurate, outdated and unverifiable negative accounts from your credit report. During the credit transformation process, we’ll help you rebuild your credit and use tactics that will raise your credit scores. In just 24 hours after you sign up for service, we’ll activate your online secured account  so you can monitor the progress of your results at any time. In addition to you having the ability to track your results online, every thirty days you’ll receive an update directly from your assigned case coordinator.


How much does it cost?

3. How much does it cost?

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

For more info about our services, click here.


Is there a guarantee with this service?

4. Is there a guarantee with the service?

To protect you and your investment, you’ll get 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 give you 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.


How long does this process take?

5. How long does the process take?

We recommend that you 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 on average, seventy nine percent of negative accounts are successfully deleted in less than 6 months.

Do I need to travel to your office for my consult?

6. Do I need to travel to your office for my consultation or enrollment'?

We're a New Jersey based company, also with an office in Alpharetta, Georgia but providing service virtually in all 50 states through online and phone access.

All credit consultations, enrollments and monthly updates are conveniently provided to you via phone or Skype. Almost all clients love that they’ve never sat in traffic, wasted gas or sat in a lobby with 5 or 6 other people in order to receive service.  Operating virtually comes with big benefits that we pass on to our clients. We are able to conduct more consultations, cut down on expenses, so we pass those savings to you by providing a high quality service at a very affordable price.


How do I get started?

7. How do I get started?

We are excited that you are ready to transform your life through credit repair.

Simply click the button to setup your virtual Credit Transformation Consultation to get the process started.