Truth is… It Depends… Our results typically happen between 2 weeks and 3 months. Most clients have the most massive results within the first 4-5 weeks but sometimes can take up to 4-5 months. Although it is rare clients take more than 3 months it is possible as some cases require more back and forth of information verification and validation letters.

Most often answer is NO! Once our team fights accounts and successfully gets them removed on your behalf it should remain settled forever! In some instances such as Navient Student loans, the loans may come off your credit report but you will still be liable for it until it is fully settled with Navient itself as it is a federally backed loan.

YES! It is 100% legal! We could not stress this enough as it is not illegal to demand creditors for the legal documentation that they are supposed to hold in order to hold you 100% accountable for that debt.

Surprisingly we get this question often, Lets start with the fact that it is highly illegal to intentionally obtain credit for the purpose of never paying it back. If you overextended yourself unintentionally this is a completely different story and debt can be negotiated or deleted depending on how accurate the lenders documentation of the account is. 

We will draft a credit plan for you to start building your credit profile over time. There are many different ways to rebuild your credit no matter how low your score is. You will be sent a guide and a list of suggested trade lines that will help you get to your goals as soon as possible.