Our clients pay for two things:

1.The credit repair service

2.Access to their credit reports.(Required)

The credit monitoring system we use to get your credit reports, charges a $1 (7 day) trial, then $19.99/month. We can't see changes to your credit without this!

Our service is FREE to start and will include an initial consultation, review of your credit reports, and an action plan that we provide to you so everyone is on the same page.

Once we agree on the action plan and have completed the initial round of disputing, we will charge you the initial monthly fee depending on the plan you choose, and then will bill you every 30 days for the following:

$99/month for an individual or $149/month for couples

Our average client may use our services for between 4-8 months, depending on their long-term goals. Everyone's situation is different and we cannot control if the credit bureaus request more supporting documents. Credit reports change each month, therefore this is a month-to-month process and can easily take several attempts to work on specific items. It takes 30-45 days, just for the credit bureaus to process and respond to our work.

Despite what some are saying on social media, there is no "quick fix" in credit repair. Working on your credit is similar to working out in the gym-It takes time to make a better version of yourself! 

Our clients have the right to cancel our service anytime, even seconds after enrolling. There are no contract or fees owed when cancelling.  

If you have bad credit (negative accounts reporting): You need credit repair.

If you have zero credit (no credit history): You need to build credit. 

Many clients work with us to remove negative items, and then use our recommended products to build a positive credit profile.

Credit repair is the process of disputing negative items that impact your credit score, which may be removed if they are inaccurate, incomplete, unverified, lack proper documentation, receive no response, or violate FCRA or FDCPA regulations, often resulting in improved credit scores once these items are addressed.

Credit Karma nor the Experian app can import data from all three credit bureaus into our system, therefore we cannot use these applications. We require clients to enroll in Credit Hero Score simply because it interfaces directly into our business systems, has proven to be highly accurate, and is affordable with plans starting at $19.99 per month.

Signing up is quick and only takes 10 minutes. You'll only need basic personal information and a copy of your driver's license or state ID, along with a document to prove your residency (utility bill, card statement, etc.).

You will be required to review and electronically sign our client agreement which outlines our pricing and provides us with authorization to perform disputes on your behalf.

You will need to sign-up for credit monitoring through Credit Hero Score ($1 to start then $19.99/month) and maintain that service for the duration of our work. Once our work is completed, you can decide if you wish to continue the credit monitoring service.

The credit card you put on file for our services must be a real bank credit or debit card. Our billing system cannot process pre-paid merchants, such as: Cashapp cards, Chime cards, etc. 

You can complete the entire process from your smart phone!

Once enrolled as a client, you will have access to your own on-line client portal. Every 30 days, your online portal will show your newest scores and updated account details. You will also receive emails on any new work we're processing. In addition, the credit bureaus will also mail you updates.

Also, once enrolled, you'll also have our office support number, where you can speak to a live person about your situation, or to answer questions.  

affecting their credit scores. We accept all situations and will work on those negative accounts. These negative accounts are normally removed IF: They are unverified, reported inaccurately, reported incomplete, no response to the disputes or proven to violate anything in the FCRA or FDCPA. 

Most people are affected by late payments, charge-offs, debt collection accounts, bankruptcy filings or anything that is negative on their credit reports. Many consumers see these items get removed if the credit bureaus find that it fits the descriptions listed above. After working on these items and we find there is no solution, we will also notify you of these situations. 

Absolutely!

People can self-perform disputing and potentially repair their own credit. In fact, we have a digital product that clients may choose to purchase that will educate them on the process and provide resources without having to pay a monthly fee. In addition, there are countless videos on YouTube providing guidance for repairing credit. (Be careful who you listen to)

Our service is about using correct strategies and tools not only to remove negative items, but to also build a positive credit profile. This saves our clients time while working toward their financial goals:

People may choose to repair their own vehicles, but many do not have the training or tools necessary to properly complete the repairs, so they bring their car to a mechanic saving them time and effort.

People may choose to fix their own plumbing, but once again many people do not have the knowledge or tools needed to perform these repairs, so they call a plumber. ​

​

Credit repair is similar to these services. It is literally just a SERVICE. 

If you don't have time to attempt this month after month or time to learn, hiring a credit repair company is the way to go. 

We often hear stories like this from new clients. If an item reports back, normally it's from a debt collection account being sold to a new company to "report again". Many of these unverified items can be proven as “duplicate reporting” if the bureaus found it unverified before.

Unfortunately, it can sometimes be part of the process.

You may heard before, "to fix your credit, just pay your bills or pay what's owed". Unfortunately, paying accounts in collections, charge-off accounts or even accounts with late payments, will not delete the negative payment history. The information still reports for 7 years. 

If the damage is already charged off or in collections and affecting your credit scores, the only thing we can focus on is seeing if the items can be removed. We cannot provide advice on if you should pay debt collectors or accounts already charged off, you should consult with an attorney. 

The card you put on file with us will be billed when the service payment is due. This will be after each monthly service is provided, and will repeat each month until services are complete, or until cancelled by our client. You will receive an email in advance, letting you know your payment date is approaching. For example, if we completed initial services and billed you on January 5th, your payment will be on the 5th of each month. 

You will receive an email prior to your payment date, letting you know your payment is due soon. If your payment method fails, you will also receive an email allowing you to update your payment method. With this email, you can do things such as update your payment method, request to change your payment date or request to cancel further services. 

Our Clients have the option to cancel our services at anytime. Once our service and document processing is completed each month, we cannot offer refund for payments or void any of the credit bureau investigations, as it would be too late. We cannot provide refunds for services already provided.

Of course, we actually cannot see any details on your payment method (other than the last 4 digits, for verification).

Unfortunately, we are prevented from performing phone or video consultations by the federal Telemarketing Sales Rule (TSR) prior to clients signing up for our service. We can discuss our services and answer your questions using email, chat, or text functions.

Once enrolled as a client, you can call during normal business hours, and we will be happy to answer any questions you may have.

Don't hesitate to ask! 

With our years of experience, we designed this FAQ section to answer general questions that are asked daily. We understand that you may have additional questions about your specific circumstances that you may want answered prior to beginning service. Please fill out our contact form or email us at [email protected] and we'll respond to your questions within 24 hours! (During business hours of 8am-4pm EST Monday-Friday)

​*Be sure to check spam if an email is not received in your inbox*

This is a commonly asked question. As mentioned at the top of this list, we follow all guidelines provided in the Credit Repair Organizations Act (CROA). Therefore, we do not and will not accept any sort of funds paid to us in advance of service.

Recurring monthly payments allows us to bill our clients after work for the month has been completed and communicated. It also allows our clients to evaluate if they wish to continue the service or cancel each month based on progress toward their goals.

Remaining compliant with all federal and state regulations is part of our long-term success strategy.

Our service is fully online. We believe our website, along with text, chat, or email communication can answer most questions before getting started. Our enrolled clients have our support number to ask any questions within a 3-5 minute phone call, from the comfort of their own homes. 

We only accept Mastercard or VISA transactions. We CANNOT process Discover or pre-paid cards, such as: Venmo, Cashapp cards, etc. The billing system we use has strict and secure compliance; therefore we're limited to processing Mastercard or VISA cards. (Including debit cards) 

​

We also can't store bank accounts. Even if we could, we would respectfully decline to store anyone's routing and account numbers. 

Yes, federal and state laws require us to obtain two things:

1. State registration: Registered as a Credit Services Organization in the state of Ohio: Certificate # CS.900407.00

2. Surety Bond for Credit Repair: Bond No #PB11562515498 through Surety1

This is the first question you should ask anyone or business before seeking financial help! You do not want anyone to have access to your personal information if they are not a registered/bonded credit repair organization.

With many fake "credit gurus" and online scams, you should take your financial life seriously, and ensure a business is fully legit, before using their services.