Frequently Asked Questions
HOW DOES CREDIT REPAIR WORK?
Our credit repair program is designed for consumers that are looking for to obtain home ownership. We identify credit triggers that have caused your credit score to be stagnant or poor. This process also includes the removal of any inaccurate information listed on the credit profile. There is also a step of rebuilding to adjust the credit content of the report by adding positive credit. Each month a different goal is set and resources are provided to help implement a change in everyday life.
IS CREDIT REPAIR LEGAL?
The Fair Credit Reporting Act allows consumers to challenge the validity of any inaccurate or obsolete information on any consumer report. Through this act, we will only exercise guidance that is parallel to what the laws have specifically laid out. Tradelines, sweeps, CPNS, & other questionable activity to improve credit scores are not recommended or practiced by us.
HOW LONG DOES THE CREDIT REPAIR PROCESS TAKE?
A minimum of six (6) months to fully see the program's full potential. During the six month enrollment, clients typically see a credit score increase by forty five (45) days of initial enrollment. If you’re looking to buy a home, the credit repair process should begin 6-9 months prior to anticipated purchase date.
HOW MUCH DOES CREDIT REPAIR COST?
The Total Credit Rehabilitation Program requires an ideal candidate screening consult prior to the actual enrollment process. This candidate screening session is 30 minutes long and is conducted via phone. Upon qualifying for the service, our investment fees start at $249.99 to begin the process and a monthly service charge of $99.99 per month for three to six months.
CAN I CANCEL?
Clients can cancel their service at any time.
IS THE CREDIT REPAIR PROGRAM CONFIDENTIAL?
Your enrollment, documents, & private financial details will never be disclosed or sold. We will not identify your enrollment on social media or credit accomplishments without your consent. Your private information/identity will not be used in any promotional content.
WHAT IF I'M WITH ANOTHER CREDIT REPAIR COMPANY?
A 60 Day grace period is preferred upon your cancellation from that agency.
HOW DO YOU COMPARE TO LEXINGTON LAW FIRM?
We don’t. We identify contributing factors to your overall credit health. All of our plans are personalized and include additional strategies for each consumer to build wealth. Our personalized plans are also equipped with rebuilding tips to help clients reach their overall credit goal. We also offer immediate attention to all negatives and don't stall the process by bureaus. We handle issues directly with the creditors as well as any debt collectors.
DO I HAVE TO SEND OUT ANY LETTERS?
No, we process all disputes on your behalf. You can review those in your client portal.
WHAT SETS YOUR COMPANY APART FROM OTHER CREDIT REPAIR COMPANIES?
We have a very unique approach to resolving debt and credit issues for our clients. We provide realistic solutions and don't just dispute negatives to later have them potentially reappear. Our program provides efficient educational resources that not only help our clients prepare for their goal; but to maintain good credit habits in the future. Our company has partnered with hundreds of qualified professionals including realtors, loan officers, and banking representatives to provide the best service possible.
DO YOU SERVICE CLIENTS ALL OVER THE USA?
Yes, location does not impact our ability to assist you.