The Credit Repair Organizations Act (CROA) is a federal law that ensures consumers are protected from deceptive practices by credit repair companies. It mandates that credit repair companies provide a detailed written contract outlining the services they will perform, prohibits them from making false claims, and ensures that no payments are made before services are rendered. This protects you from scams and ensures transparency throughout the process.

While each case is unique, clients typically begin seeing results within 30 to 90 days. The time frame depends on the number of items disputed, how quickly credit bureaus respond, and whether additional rounds of disputes are needed. We aim to ensure consistent progress throughout your credit restoration journey.

No, under the CROA, no credit repair company can legally guarantee the removal of negative items. However, we work diligently to dispute any inaccurate, outdated, or unverifiable information on your report, increasing the likelihood of positive changes.

We can dispute inaccuracies such as late payments, charge-offs, collections, bankruptcies, repossessions, foreclosures, and other errors. Under the CROA, we will only dispute items that are incorrect or unverifiable with the credit bureaus.

Yes, per the CROA, we are required to provide you with a written contract outlining the services we will provide, the estimated time frame for results, and your rights as a consumer. You’ll have three days to cancel the agreement without penalty if you change your mind.

No, according to the CROA, credit repair companies cannot request or accept payment before services are completed. You only pay for services after we’ve taken action on your behalf.

You’ll receive regular updates on your credit restoration progress, and you can reach out to us at any time to discuss your case. Monitoring your credit reports is also crucial to staying informed throughout the process.

If dispute letters are required, you will be responsible for mailing them to the credit bureaus, as outlined in your contract. We’ll provide all necessary instructions and support to make this step easy and straightforward.

Yes, under the law, you’re entitled to dispute inaccuracies on your credit report yourself for free. However, our expertise in the industry, understanding of the legal guidelines, and ability to manage the dispute process efficiently make it easier and faster for you to get the results you desire.

We’re here to support you every step of the way. If you have any concerns or questions, you can contact us directly, and we’ll address any issues promptly. Your success is our priority!

You can cancel your services at any time. Simply contact us, and we will provide instructions on how to proceed with the cancellation. Keep in mind that, per the CROA, you are entitled to cancel within three days of signing your contract without any penalties. After that period, your cancellation will be effective from the date you notify us, and any outstanding services already rendered will be billed accordingly. There are no long-term commitments or hidden fees.