Below is a list of some of our more commonly asked questions for our Credit Repair Service:

1. What is a credit score?
   A credit score is a number that reflects your risk level, as an individual consumer, as determined by the credit bureaus. The higher the number, the lower the risk will be to the lender. As you apply for increased credit or attempt to make a purchase, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or purchase you requested. Only the credit bureaus know the exact formulas they use to determine these scores, which generally range from 350 (lowest) to 850 (highest), and the calculation method varies from bureau to bureau. The American Credit Center will advise you as to how to raise your score.
   
   
   
2. Is cleaning up my credit legal?
   Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right by law to do so (see Fair Credit Reporting Act). Credit report repair is as legal as pleading "not guilty" in a court of law.
   
   
3. Can your remove bankruptcies?
   There is not one type of negative listing that cannot be removed from a credit report. While negative items such as bankruptcy or unpaid debts are certainly more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus than with the severity of the bad credit item. For example, judgments and tax liens are severely negative listings yet are considerably easier to remove.
   
   
4. How long will it take?
   We can no more do that than we could promise a client that he or she would prevail in a court of law. Though we can give you an idea as to how we have performed in the past your mileage may vary. If credit reports are received promptly, many clients see exhilarating progress within the first 45 days.
   
   Statistically, participating clients have received, on average, 10.77 deletions by their third month, 15.15 deletions by the sixth month, and 25.8 deletions by the end of nine months. A deletion is a credit item that has permanently disappeared from the credit report of the client. We must warn you not to interpret past performance as a guarantee or promise that we will achieve precisely the same results for you as we have other clients in the past. Your results may be better or worse.
   
   The progress of your case will depend on your participation, the nature of your case, and the level of credit bureau cooperation.
   
   
5. Do you offer a warranty?
   Our service is backed by a warranty which entitles you to some or all of your money back if enough disputed items are not deleted. Put simply, we don’t believe you should have to pay for ineffective service. Here's how the warranty works.
   
   After you have been a client for 12 months, if you feel ambivalent about the success of our service you can request an evaluation of your account. You must send us current credit reports. We will calculate the total value of all successfully deleted and/or improved items and compare that amount to the fees you have paid us. If what you have paid exceeds the value of deleted items we will reimburse you the difference.
   To determine the total value of our service we count the number of items we successfully deleted from your credit report and multiply that by $50 per item. This does not mean that we will charge $50 in addition to our regular fees. Rather, we use the value of $50 per deleted item to determine if we created spectacular value for you (or not.)
   
   
6. Can I do this myself?
   Disputing the credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything in their power to discourage consumers from making progress in their restoration efforts.
   Restoring your own credit is like repairing your own transmission or representing yourself in court; it is possible, but you must decide if your are willing to take the time and assume the risks of doing it yourself.