Do negative items remain listed for at least 7 years?
Although the law demands that negative listings appear on your credit
report for no longer than seven years, the credit grantor or the credit bureau can choose to delete the negative credit listing whenever they see fit. Your Top Score Credit Advocate is an expert in this area.

How do you restore bad credit?
We offer a complimentary assessment of whether or not we can help. If your reports contain information that is not reflective of your true credit worthiness, we let you know and set your expectations regarding what can be done to help.

We write the letters and conduct all the follow-up necessary. These letters request the credit bureaus to conduct investigations and make updates and deletions to your reports.

At the conclusion of the credit bureau’s investigation, a new copy of the credit report is sent to your home along with any deletions or improvements.

A disputed credit listing must be accurate and verifiable for it to remain on the credit report. If the credit listings is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified: the creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Also, the reinvestigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed with remarkable frequency.

Each time an investigation is commenced the odds of deleting the negative increases!

How long does it take?
The progress of your case will depend on your participation (sending in credit reports on a timely basis), the nature of your case, and the level of credit bureau cooperation. If credit reports are received promptly, many clients see exhilarating progress within the first 60 days.

How do you do this legally?
Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right by law to do so. Credit report repair is as legal as pleading “not guilty” in a court of law.

Don’t be afraid any longer...The Law is on our side! It is entirely legal to dispute inaccurate or misleading credit entries. Waiting 7-10 years for derogatory information to naturally roll off your reports is a mistake.

Can an individual repair his or her own credit?
Disputing the credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and frustrating. Enlisting the service of a reputable and trusted professional is always a good idea and will safe you time and money in the long run.

What if deleted items reappear?
If a bureau intends to re-report an item, you must first be notified. As long as you inform your Credit Advocate of this, we will do everything possible to be proactive and preserve your credit report. We are by your side for an entire year for no extra charge.

Do I need to pay my bills?
If there are delinquent accounts appearing on your credit reports that have not been paid off, the actual debt behind the listing remains the same even if we delete the account from your credit report. If you don’t pay the debt, the creditor or collection agency could always re-report the item. So removing the listing without addressing the debt is only a temporary solution.

Does paying my old bills and collections restore my credit?
You would think that would be true. But, again, the credit reporting system just doesn’t work that way. Once you pay off an old collection or charge off, it merely updates the listing on your report. Many times it actually will lower your score. The good news is that we can help you settle those debts and save you a lot of money in the process. We will also make sure your credit score is protected or improved.

How do I know progress is made?
Corrected Credit reports will arrive first at your home and then you will forward them to us. So, when we accomplish deletions and improvements, you will see them first on your credit report.

How much does your service cost?
Our price is $495 for an individual or $795 for a couple. We will also contract our services to your Mortgage lender. In these instances we will offer a customized program to meet your specific credit advocacy needs.

How does the warranty work?
If at the completion of the agreement you have done your part by mailing credit reports and letters from the credit bureaus to us and we have made no progress, your money will be refunded.

It is your responsibility to provide us with your updated credit reports on a regular basis. However, should you receive no improvement on your credit reports despite your close participation we will absorb the costs of our representation and refund our fee.

Otherwise, at the end of 12 months, we agree to pro-rate the success of your case by placing a $45.00 value on each deleted or improved listing and deduct that amount from your fees. Then, we will refund you the difference.

We offer this warranty to help our prospective clients feel comfortable with our work. However, we should point out that if you do your part by forwarding regular credit reports, you should receive results well beyond the warranty value.

Don’t Forget ... we back up our service with not only a year of support, but also a WARRANTY !

Do I need to see my credit reports first?
Most people request our services after they have been denied credit. Most even know what negative listings are likely appearing on their credit report.

With this in mind, it is not necessary to know exactly what is appearing on the credit report before we begin work. It is only necessary to know that there is a credit problem which needs to be addressed.