Common Questions


How Long does it take to remove negative information?

Usually 30 days.

How much will my score increase?

Actual increase will vary. If you have no active accounts, the remove of collections will only increase your score slightly around 50 points.

If you currently have active credit cards or loans in good standing, the removal of negative information will have a greater impact on your score up to 200 point increase.

Is the $79 fee refundable?

Yes. If your score does NOT increase submit a request for refund here.

​Usually 70% success rate.

Can I get a refund if I change my mind?

No. Once this service has started it cannot be stopped.

Do you need my SSN#?

Yes. This allows the credit bureau's to confirm your identity.



FCRA Summary of Rights
What is the Fair Credit Reporting Act
Summary of Rights

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used.

Summary of Rights

The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers (for the complete text, visit the Federal Trade Commission). The FCRA protects you by requiring consumer reporting agencies:

Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See "How do I get a free report? " for more information. Visit www.annualcreditreport.com

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See "Who can access my Equifax credit file?" for more information.

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report.

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report.

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated.

Delete outdated information. In general, negative information that is more than 7 years old (10 years for bankruptcies) must be removed from your file.

Remove your name from marketing lists upon request. Consumer reporting agencies can provide lists of consumer names and addresses whose credit information matches the requirements of creditors and insurers for making firm offers of credit or insurance to the consumers on the list. However, you can request that the three nationwide consumer reporting agencies not share your information with creditors and insurers for these purposes by calling 1-888-5-OPT OUT.


How are credit scores calculated?

The main factors involved in calculating a credit score are:

The number of accounts you have
The types of accounts
Your used credit vs. your available credit
The length of your credit history
Your payment history

 
If you look at your credit scores based on data from each of the three national CRAs – Equifax, Experian, and TransUnion – you may see three different scores even if the same credit scoring model is used. This is completely normal. Your scores may not all be the same because not all creditors and lenders report to all three CRAs. Many creditors do report to all three, but you may have an account with a creditor that only reports to one, or any.

 
There are many different scoring models and here is a general breakdown of the factors the models consider:

Payment history: 35%

Your credit history includes information about how you have repaid the credit you have already been extended on credit accounts such as credit cards, lines of credit, retail department store accounts, installment loans, auto loans, student loans, finance company accounts, home equity loans and mortgage loans for primary, secondary, vacation and investment properties.
 

In addition to reporting the number and type of credit accounts that you’ve paid on time, this category also includes details on late or missed payments, public record items and collection information. Credit scoring models look at how late your payments were, how much was owed, and how recently and how often you missed a payment. Your credit history will also detail how many of your credit accounts are delinquent in relation to all of your accounts on file. So, if you have 10 credit accounts (known as “tradelines” in the credit industry), and you’ve had a late payment in 5 of those accounts, that ratio may impact your credit score.
 

Your payment history also includes details on public record and collection items, including bankruptcies, foreclosures, wage attachments, liens, judgments and any delinquencies that have been reported to collection agencies.
 

The scoring model will take all of this information into account, which is why the payment history section account may have the biggest impact in determining your credit score.

Used credit vs. available credit: 30%
A key part of your credit score analyzes how much of the total credit line is being used on your credit cards, as well as any other revolving lines of credit. A revolving line of credit is a type of loan that allows you to borrow, repay, and then reuse the credit line up to its available limit.

Also included in this factor is the total line of credit. This is the maximum credit limit you could charge against a particular credit account, say $2,500 on a credit card.


Credit scoring models take into account how much you currently owe compared to the original amount of the installment loan. How you manage monthly payments is important.
 

Type of credit used: 15%
Your credit score reflects the different types of credit accounts, or “trade lines,” you have, including revolving debt (such as credit cards) and installment loans (such as mortgages, home equity loans, auto loans, student loans and personal loans).

The other key factor is how many of each type of tradeline you have. Creditors like to see that you’re able to manage multiple tradelines of different types and the credit score algorithm reflects this.
 

New credit: 10-12%
Your credit score also reflects how many new credit accounts you have opened compared with the total number of “tradelines” in your credit file. Credit score models take into account how many recent requests for credit you have initiated, as indicated by inquiries by creditors to credit reporting companies. (These inquiries are known in industry jargon as “hard pulls,” of your credit.)

Your credit score does not take into account requests a creditor has made for your credit file or credit score in order to make a preapproved credit offer, or to review your account with them, nor does it take into account your own request for a copy of your credit history (known as “soft pulls” of your credit).

 Your credit score will factor in the length of time since creditors made credit file inquiries.

 
Length of credit history: 5-7%
This section of your credit history details how long your credit accounts have been established. The credit score calculation includes both how long your oldest and most recent accounts have been open. In general, creditors like to see that you’ve been able to properly handle credit accounts over a period of time.

Credit score models look at how long different types of accounts have been established, how recently each credit account has been used, and whether there has been a judgment or public record item listed on your credit history.

Any business or person who receives a copy of your Equifax credit report will be listed under the “Inquiries” section of your Equifax credit report. If you learn that your Equifax credit report has been obtained outside of the reasons outlined in FCRA, please contact:

Equifax Information Services LLC
P.O. Box 105069
Atlanta, GA 30348


Experian

P.O. Box 4500
Allen, TX 75013


Transunion

​P.O. Box 1000
Chester, PA 19016

Let us repair your credit  $79

One time fee


Remove Collections

Remove Eviction debts from credit

Remove late payments

Increase Score


DO NOT purchase this service more than once in a six month period.

This service will take 20 - 30 days to complete.

​Credit Report & Score Included

$79 Credit Repair - Eviction Removal

Equifax  Experian  Transunion