FREQUENTLY ASKED QUESTIONS

How long will it take to see results?
Results are generated in 30 days from the day the dispute process begins.

How much does it cost? Are there any hidden fees?
The cost is a flat fee for our services and is based on case by case criteria.
There are no hidden fees.

Will this affect my credit score?
Unlike the inquiries generated by lenders, which may have an effect on the score, the FICO scoring system does not penalize consumers for obtaining or reviewing their personal credit reports.

What is a charge-off?
A charge-off is a term used by creditors to describe an account that has been unpaid for 180 days or more.
When an account has reached charged off status, the debt is then usually assigned to a debt collector.

If I pay a collections account or a charged-off account, will the negative information be removed from my credit report?
No. By paying a charged off or collection account, your credit report will reflect the status of paid charge off or paid collection, and will remain for a period of 7 years from the date of first delinquency. Our settlement alternatives, in most cases, allow for the credit reports, after payment has been received on these derogatory accounts,
to reflect paid as agreed status.

What is your guarantee?
Our service is guaranteed, but we don’t hide behind any phony statements or false promises.
Our service includes the initial consultation, the dispute process and evaluation of settlement alternatives.

We also guarantee that if you do nothing to improve your credit, your credit rating will remain the same.