Only company in America to offer a 3 year warranty to make sure that when your credit is clean, it stays clean. Any new negative items that appear will be challenged within 3 years after your initial sign up at absolutely no cost to you.
We are one of the very few credit repair and restoration companies that operate legally. We have set the industry standard as a reputable organization that is built on a foundation of integrity, character and an exceptional commitment to obtaining the best and fastest results possible for each client.
Seeing is believing. Our extraordinary process utilizes the most complete range of tools available to ensure that you get the best results possible. Our results are based on real client feedback and is available for you to view in our results library.
Once your credit has been improved to a manageable condition, it’s time to get you back on the track to credit success. That’s why we help you to establish brand new lines of positive credit, and credit that will help you afford such things as personal loans and property purchases.
Did you know that each credit inquiry costs you up to 5 points on your report?
What if you had 10 recent credit inquiries?? That would cost you up to 50 points!
New credit is one of the factors used to determine your credit score. In fact, new credit accounts for 10 percent of your credit score. Hard credit inquiries are considered a subset of the new credit category. According to Fair, Isaac & Co., the information about credit inquiries that can be factored into your FICO score includes: The number of recently opened accounts that you have and the proportion of accounts that are recently opened compared with long-standing accounts, by type of account; The number of recent credit inquiries; The time since recent account openings, by type of account; and The time since you last had any credit inquiries.
For many people, one additional credit inquiry (voluntary and initiated by an application for credit) may not affect their FICO score at all. For others, one additional credit inquiry would take less than 5 points off their FICO score. Credit Inquiries can have a greater impact, however, if you have few accounts or a short credit history. Large numbers of credit inquiries also mean greater risk. According to Fair, Isaac, people with six credit inquiries or more on their credit reports are eight times more likely to declare bankruptcy than people with no credit inquiries on their reports.