Credit improvement involves taking steps to enhance your credit profile by addressing inaccuracies or outdated information on your credit report, managing debts responsibly, and building a positive payment history over time.

Contact us via our website or email us [email protected] and we'll walk you through the steps.

You are entitled to a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) annually. Get your report here for $1 https://creditheroscore.com/redirect.asp?guid=QJ7KKJUPJBV2&sid=MKARES7S4. It’s essential to review your report for errors or inaccuracies that could affect your credit standing.

The time required to see improvements varies depending on your situation. If your credit report contains errors, disputing them can lead to quicker results. However, building a long-term positive credit history may take several months or more.

Some companies try to speed up their service by using on line disputes. There are a whole host of reasons NOT to do this. Additionally, you should never dispute on line either. Here's why:

When a dispute is entered on line, it goes into EDRP or expedited dispute resolution process. This sounds great until you read a little further unto the FCRA. It clearly states that if a dispute goes into EDRP then the bureaus do not have to comply with certain sections of the FCRA. Did you hear that? They get to ignore the law! The sections they don't have to comply with are also quite handy in the credit repair process. One section is the "Method of Verification" section. If an item comes back as verified, they don't have to tell you "HOW" it was verified.

Another section is the "Re-Insertion Letter" sec­tion. Usually, if an item is deleted, there are steps the bureau must follow in order to be able to re-insert that item. One of these steps is to send you a re-insertion letter before placing the item back on your report. The simple cost of creating and sending this letter drastically limits the amount of re-inserted items. If an item is processed under EDRP, THIS LETTER IS NO LONGER REQUIRED!

They can just put the item back whenever they get good and ready.

Just take our advice ... Don't dispute on line.

We can dispute all inaccurate, outdated or unverifiable items that's reflecting you in a negative way, including old names, addresses, employers, student loans, bankruptcies, collections, charge-offs, inquiries, repos, and so much more.

Absolutely! Receive email updates and track your progress in the client portal 24/7.

Nothing! We manage your credit repair fully, so you can focus elsewhere. The only request we have is for you to not apply for any accounts while in the program. Please ensure timely payments, avoid overspending on your credit cards, and let us know if you wish to settle any accounts. Following these guidelines will ensure a smooth experience.

As much as I would like to, there is simply no way to know the answer to this question. There are far too many factors in­volved in the credit scoring model; the biggest variable being the "human factor". We don't know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service.