We will conduct a detailed and thorough evaluation of your credit file in light of the laws that govern the various creditors in the reporting process. We will identify everything that is questionable, obsolete, and out of compliance. We will then contact all parties and credit bureaus for the purpose of clearing derogatory and unverifiable information on your credit report.

After you sign up we will provide you with specific (and easy!) step-by-step instructions for obtaining your credit reports and getting them to us. Please also note that once our process is underway you will be receiving updated credit reports periodically from each bureau reflecting the results of our efforts. We will request that you send us these reports and any other material communication that you receive from the bureaus to us so that we can monitor the results.

No, when you request your own report via the internet, it doesn’t hurt your credit scores.

While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, each case is different.  The more items we are fighting to remove, the longer it might take.  A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter time frame. Once you sign up we will review your credit report and give you a better assessment of your time frame.

Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7 and Chapter 11 bankruptcies are each reported for 10 years, and chapter 13 bankruptcy is reported for 10 years, both measured from the date of the filing.

Never! Please see our Privacy Policy for all of the details, but in short: We do not, under any circumstances share, sell, or in anyway provide your information to anyone.