You are entitled to a full refund if have been enrolled for 180 days from the time that you retain our services, have had no new collections or missed payments during the time frame we are assisting you, and if we have not successfully assisted you in removing inaccurate and unverifiable items on your credit reports.

Just like your social security number, everyone’s situation is unique. Some will start to see results in the first 45 days. But for best results clients will see improvements after 3-6 months or service.

You will speak with one of our expert credit advisors. We will discuss your credit report and how it relates to the FICO pie chart. We will also discuss general strategy for raising your credit score. All of this can be done over the phone. If you are around the Lubbock area, you can stop by our offices and get a one-on-one consultation with a Credit Coach.

Yes! Credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.

Short and sweet… NO. As a company who only gets paid for performance we want this service done as fast as possible. We would love for there to be a legal way to make things “disappear” in seven days. However, it just doesn’t exist.

The best way to speed up the process is to promptly upload any responses that you get from the bureaus so we can begin on our next round sooner. Your scores can also improve faster if you take advantage of some of the credit building recommendations that we make to add positive accounts to your report.

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.