The Audit , Setup & Review Fee- $297 per person 

the initial Audit, Setup & Review Fee is a One Time Fee.

This is Not a "One Size Fits All" company. We do not think it is fair to make you pay upfront or $50-$150 monthly fee for work that cannot even be guatanteed. Instead, we offer a package based on the needs and budge of all clients. Specifically tailored to fit the needs of your situation. 

What if you get 20 deleted items, you do not want to get stuck with a $1,000 bill right? Well if you do, CONGRATULATIONS!!! That is a lot of deletions! But don’t worry, we are not going to make you pay us $1000. We will let you pay $100 per month until the balance is paid off. For example: if there are 12 collections deleted from your credit reports. We will send you an invoice of $600, in which you have two options. You could pay in full and receive 20% off… Or you can set up a payment plan where you only pay $100 a month for six months. Our clients like that better because the $100 is going towards work that has already been completed instead of possibilities and hope.

Once enrolled, our clients must maintain an active credit monitoring service with access to all 3 credit bureaus throughout the process of their credit repair. If you do not have one already no worries we will provide you with one.

Unfortunately, there is no way to predict in advance How long it will take to repair your credit, as every credit report is unique. That being said, typically 6 to 12 months is the term that the  average clients stay.

The Credit Bureaus have 30 days to postmark you a response from when the got the letters.  So if you send your letters out and they get them on Jan 1 they have until Jan 31 to mail you a letter. Therefore, it may take a few extra days sometimes to get a response. Our company sends disputes out every 40- 45 days to allow time for disputes and responses to come in. 

Yes, it can.  You want to wait until the dispute is finished (the 30 days) and then you can dispute with these letters.

Again Yes it can.  You want to wait until the dispute is finished (the 35 days) and then you can dispute with these letters.  Make sure only 1 person or company is doing the disputes.

Yes, it is still possible to dispute unverified accounts from a collector.

Yes.

Wait for the new one.  Don’t give them any reason to kick it back saying it’s expired.

Yes.

Yes.

Yes.

Becoming an authorized user on someone else's credit cards THEY MUST HAVE GOOD OR EXCELLENT credit to bring you up.  Also, once you remove your negative accounts apply for a shopping card like Target or another credit card and PAY ON TIME and Focus on the statement date as that is when your balances are reported to the credit bureau.  

INQUIRIES DON’T AFFECT YOUR SCORE MUCH UNLESS YOU RAN YOUR CREDIT A BUNCH LIKE TO BUY A CAR OR HOUSE. The letters have a footnote that reads “Please remove all Non-Account Holding Inquires over 30 days”.  Therefore, if you don’t have a line of credit or loan associated with the inquiry it will be removed.

Yes, but they can be harder so you may have to dispute them a few times.

You can, but make sure it’s all paid off or up to date with payments as if you dispute child support it can make them ask you to pay.

Do not respone to the collector. Provide the information to the credit  reporting agencies (Equifax, Experian, Transunion)  Wait for the official dispute summary in the mail.

Ignore it.  Wait for the official dispute summary in the mail.  Also NEVER DISPUTE ONLINE.

https://www.annualcreditreport.com/index.action

Be very careful when answering their security questions to obtain your credit report.  If you get them wrong you will have to write the individual CRA for your free credit report.

The only true credit score out there is the FICO score.  You can get it here: http://www.myfico.com/

30 days.

If you call the creditor and negotiate a pay for removal first then it will help your FICO score, however, you can remove delinquent accounts using this system without paying a creditor. They may still try to collect on a debt and if it is still inside the statutes of limitation.

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. For example, if the credit card company proves to the court that you owe $5,000, a court may enter a judgment saying that you owe $5,000 (plus costs and interest). The creditor may then use the additional collection methods to get paid.

HOW TO REMOVE TAX LIEN JUDGEMENT:

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) you were sent by the IRS as notification of the original tax lien. This can help to expedite the process. However, you can still fill out this form if you don’t have the 668(Y).

For questions 11 on the form, select the option that states:

“The taxpayer, or the Taxpayer Advocate acting on behalf of the taxpayer, believes withdrawal is in the best interest of the taxpayer and the government.”

For question 12, enter the words “Fresh Start Program.”

Step 2: Send Form 122277 to the IRS

Use IRS publication 4235 to determine the regional IRS where your form should be mailed. Send your form via certified mail.

Step 3: Wait for a response from IRS

After 30-45 days, the IRS will contact the courthouse where the lien was filed to notify them to withdraw it. You will also be sent a copy of this notification.

Step 4: Dispute the lien with the Credit Reporting Agencies

When you dispute a tax lien with Equifax, Experian, or TransUnion, they contact the courthouse where the lien was filed to determine if the information is still accurate. Since the courthouse has been notified that your lien was withdrawn, by disputing the lien with the above Credit Reporting Agencies at their respective websites, you should be able to have the lien removed quickly.

Step 5: Final confirmation

Each of the credit reporting agencies will send you a notification of how your dispute turned out. If the lien was not removed from any or all of your reports, file a second dispute in writing and include a copy of the notification from the IRS that your lien has been withdrawn.

Tax liens on a credit report can not only bring down your credit score significantly, but they can also be a deciding factor in a lender deciding to deny you a loan or credit card. Getting them resolved and off your credit reports a quickly as possible is imperative. If you have unpaid liens, visit IRS.gov to learn more about your options for settlement or payment plan.

Let’s say for some reason there is proof of the account saying it’s yours, either from a creditor or a credit bureau, you can negotiate a pay for removal with your original creditor.  Remember, a collection agency NEVER has proof the debt is yours.  This system will work every time on a collection agency so you don’t need to pay a collection agency.

You will track the letters and make sure they get them. After the 3 CRA’s get them they have 30 days to respond. Keep EXCELLENT RECORDS.  From you mailing the letters with tracking to the date they get them to when you get the response. If they mess up anywhere you got them and can sue.

The dispute process is awesome because if they fail to verify within 30 days they delete the negative accounts. If they fail to provide physical proof to you within 30 days the negative accounts are deleted.

And if they try to stall you send another letter.  They might try to call your disputes frivolous so get my frivolous letter response letter if they call your disputes frivolous.

Go through all 6 rounds of disputing, keep excellent records and if they don't delete the negative accounts sue them in small claims court. I have an ebook on how to sue and win.