Faqs

You can get your credit report from www.annualcreditreport.com for free.

No. Although your payment will be made through PayPal, which is a secured payment method, you can choose to purchase your dispute packet with your personal credit or debit card just as you will [...]

You should get the Gold Packet if you have 3 or 4 derogatory items, mainly minor collection items such as phone bills, utility bills or medical bills. You should get the Diamond Packet if you [...]

Firstly, my service removes everything from your credit file which includes hard inquiries, bankruptcies, student loans, repossessions, collections, tax liens,  etc. for $349; however, you only [...]

You will automatically receive an email that contains your Credit Healing Packet and your dispute packet will automatically download to your computer, tablet or phone immediately after your purchase.

You will see derogatory items removed and see increases in your credit reports in 30 days. Some of our clients have received as high as a 297 credit score increase within a few months. You can [...]

Yes! It works for everyone who uses it. All you have to do is follow the simple instructions in your dispute packet and you will begin to see your credit scores increase.

The Fair Credit Reporting Act was put into law in 1970, which was prior to the computer age, to protect the American people from misinformation that the Credit Reporting Agencies (i.e. Equifax, [...]

You cannot see your account numbers on Credit Karma. You can get your free credit reports that have your account numbers at www.annualcreditreport.com.

Yes. Again, always dispute ALL YOUR NEGATIVE ACCOUNTS.

They won’t ever send you proof. Only the original creditor can.  However, let’s say for some reason there is proof of the account saying it’s yours, either from a creditor or a credit bureau [...]

There may not be an account number. Put all the information that’s available. There may be a docket number but if not, just put judgement or how ever it is identified.

Yes, you are.  There is a footnote that removes you from pre-approved notices. It helps with the repair process.

They will most likely not reappear on your report, but if they do THEN you dispute them. But if they don’t come off, you should dispute it a few more rounds or hire a lawyer to sue the credit [...]

Collection agencies typically have old accounts that have been charged-off and sold from the original creditor. They typically don’t have any proof the debt is yours.  If they try to sue you, [...]

Yes, according to my knowledge. Some ways are more effective than others in the ebooks.  Your results may vary, but since the information in them are ways that have been successful, you should [...]

How to Remove Tax Lien Judgment: Step 1: Complete IRS Form 12277 This form serves as a request for withdrawal of the original tax lien. Before filling out this form, try to locate the Form 668(Y) [...]

A judgment is an order entered by a court of law indicating the court’s findings. A judgment gives the creditor the right to use additional collection methods to collect the debt owed to them. [...]

In the unlikely event that occurs, you can send a dispute letter to the actual creditor and demand to see the original instrument of indebtedness in its original form to see if they do indeed [...]

It may. You will need to dispute the old, discharged accounts under the bankruptcy first. It may take all 4 rounds of letter writing, however, once you have removed the old, discharged accounts, [...]

Yes, don’t do ANY disputes online. Send them your second letter.

Again, keep disputing. These statements are designed to scare, confuse, and intimidate you. Don’t be fooled, you will get rid of the negative accounts, but you must keep going.