Yes, credit repair is legal under the Credit Repair Organizations Act (CROA). The act requires credit repair organizations to follow strict guidelines, such as disclosing their services and fees upfront, and not making false or misleading statements to their clients.

The costs involved in credit repair services vary based on your specific credit situation. Our team will work hard to craft the perfect plan for you.

Yes, you can do credit repair on your own. However, it can be a time-consuming and complex process. Hiring our company is a convenient and effective way to improve your credit score.

Credit repair refers to the process of improving one's credit score and fixing errors or negative information on their credit reports.

Credit repair is important because a good credit score is a crucial factor in obtaining loans, mortgages, and credit cards with favorable interest rates and terms. A negative credit history can make it difficult or impossible to get approved for these financial products, and can result in higher interest rates and fees.

Credit repair can help remove some negative information from your credit report, but some items may be difficult or impossible to remove. For example, bankruptcy and tax liens are public records that remain on your credit report for 7-10 years and cannot be removed. However, our team will help you dispute errors and negotiate with creditors to have negative items removed or modified.

Some common errors that can appear on your credit report include incorrect personal information (such as your name or address), accounts that don't belong to you, late payments that were actually on time, and charged-off accounts that were paid or settled. Other errors can include duplicate accounts, incorrect credit limits, and accounts that were included in a bankruptcy but are still listed as open.

A good credit score is typically considered to be 700 or above. However, the definition of a good credit score can vary based on the type of loan or credit product you are seeking.