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We covered most of the question here.

We believe better knowledge and understanding of the process will

guard you against future issues relating to your credit file.

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Frequently Asked Questions


How much do your services cost?

Each of our programs costs are explained in detail on the Programs page.

How will I know what progress is being made?

You will be given an on-line account page where you can watch progress. There is a Time Line and Progress Report as well as Credit Analysis component.

Can I fix my credit myself?

Sure, Its your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. Our Firm is here if you need help from professionals who work with the bureaus and these laws every day.

Do you just send lots of letters and hope the creditors don't respond in time?

No. That is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments.

Can I apply for credit while in a Your Firm Program?

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.

How can bad credit be legally repaired?

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

What does your firm do to help?

Our Firm helps client attack their credit damage by challenging the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports.

Do I need to pay my bills?

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

Is it possible for deleted items to reappear on my credit report?

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

Does paying my bills restore my credit?

Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.

How long do charge-offs stay on a credit report?

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default. Learn more about how to remove charge-offs from your credit report.

How Long Does Bankruptcy Stay on a Credit Report?

Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies.

Can You Remove Late Payments From My Credit Reports?

Our Firm can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed.

Can you help me remove hard inquiries from my credit reports?

Our Firm specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.

Can you negotiate a bill in collections?

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request.