Confirmation numbers are numbers attached to each and every filing we submit on a client's behalf with any or all of the top 3 credit reporting bureaus. We keep a copy of the initial claim number but do not get copies of the claim numbers associated with the progression of any particular claim. Likewise, we do not get copied on progress reports or other documentation as per security guidelines. We suggest claim numbers be kept on file during the entire process, however we delete them after a case is closed or completed.

Clients are responsible to keep us updated with copies of letters, emails and other information pertinent to claims filed by us or as a result of our efforts. We do not get copied by the top 3 credit reporting bureaus. It is the sole responsibility of the client to pass information along in a timely manner, we will not ask after such.

We cannot stress this enough. A 'timely manner' is defined as no longer than one week from receipt of any pertinent communication. Failure to comply with this clause may void our contractual obligations and our money back guarantee under 'noncompliance' and/or 'breach of contract'. Clients found to have failed in this capacity will have their contract cancelled, as this nullifies our efforts.

The Fair Credit Reporting Act stipulates that credit repair organizations/individuals cannot charge for work not completed. This means no one can charge a client up front for work which is not done. We process payment month to month with the first payment being debited at the completion of our initial filing.

This is how we bill, in 30-day intervals. Since we are constantly working on a clients file, cancellations may incur a final payment for work completed and/or in process of submission.

Cancellations can be made by email, text or calling. We don't mind but prefer transparency whenever possible. Cancellations cannot be made by simply refusing to communicate with our firm. We're easy to talk with and don't engage in pressure tactics to retain service.

No other requirement is necessary when cancelling.

We guarantee the lowest prices in the continental U.S. and its lawful territories for comparable services. 'Comparable Services' is defined by full-service package without additional fees or costs of any kind over and above the agreed upon monthly payments. This is akin to saying service as good or greater than a service offered by us.

we guarantee a 180-day full money back guarantee. Because items in a credit file change over time, persistence and methodology are the keys to success. We have 180 days (6 months) to affect a minimum of three (3) changes on a client's consumer credit file from any one (1) of the top 3 credit reporting bureaus. If in this time erroneous items are not deleted from a file, we refund the clients' money in full, minus interest (we don't use interest bearing accounts when dealing with client payments)

We guarantee a turnaround time of 5 to 12 hours from initial consultation and signature of our contract/agreement. It should be noted that events out of our control voids this guarantee. We submit to 3rd party secure servers and are not responsible for errors or slowdowns on the servers these companies use. We are not responsible for delayed results out of our control.

Note: Natural disasters and severe weather may be quantified as variables outside of our control

We cannot guarantee scores rising in any specific manner or time frame. During the process of repairing erroneous information, it is normal for scores to rise and fall. Scores depend on different variables and not all reporting bureaus score the same way. It is possible to have a lower score after the removal of items from a file, likewise a rise is also normal. There is no telling and therefore no way to guarantee these changes.

We cannot guarantee that our work will result in specific removal of information, inaccurate or fraudulent. For this reason, we offer a money back guarantee to comply with state and federal law where applicable.

We cannot guarantee that specific results will be available in a specific time frame. Generally speaking, changes have been noted as early as 30 days to as long as 180 days.

We cannot guarantee any service which is illegal or unethical or in direct violation of the law.

As part of our due diligence, we perform public record searches and soft credit inquiries to verify accounts, addresses, and names or name variations. We verify documentation provided by clients in support of items (be these police reports, court proceedings, divorce decrees, etc.) which are to be removed. Once our criteria are met, we process each clients claims and submit them to the appropriate credit reporting bureaus. Clients will receive email confirmation from these bureaus complete with verifiable claim numbers and a concise listing of explanatory reasons.

To insure the best possible experience is made available to our clients we maintain the highest standards of due diligence, criteria check and compliance of any competitor. Suspicious activity on behalf of an individual can damage our reputation with all of our clients and violates the ethos under which we are founded. We flag ISP's and IP addresses and otherwise block those found to be violating our due diligence criteria and/or seeking to violate the law.

We don't employ third party consumer rating companies. Due to recent investigations many third-party consumer rating companies have been found to engage in dubious practices and pay for play schemes. We do not believe the integrity of a rating should be compromised or influenced by monetary gain. In order to ensure our performance and to provide our clients and visitors with transparency, we proudly link to The Federal trade Commission, The Consumer Financial Protection Bureau and The Attorney General of Florida. (Florida being our charter state)

We also provide more useful and unaltered links to government organizations, consumer watchdog groups and the ACTS governing consumer credit laws as approved and enacted by The Congress.

Each of the organizations listed above keep lists of consumer complaints against companies involved in credit repair and they take complaints from those who have been the victims of frauds, scams or other abuse. In our opinion it is the best protection available because it is free to both company and consumer.