Yes, credit repair is legal, and it works because of the law. The law is The Fair Credit Reporting Act FCRA, which was setup by the Federal Trade Commission FTC to protect consumer. The FCRA gives you the right to dispute any item on a credit report. If that item cannot be verified it must be removed. This is the foundation of all credit repair.
No, Never. Our clients will order their own credit reports. By ordering your own credit reports, you will not suffer a hit on your credit report.
There is a one-time setup fee of $25.00 to get started. You will have a monthly fee of $59.00 which will not be due until we receive your credit report and your account has been reviewed.
Everyones situation is different, the average customer is with us for 6-9 months. The time frame is based on your credit score and where you would like to be.
To know if credit repair is worth it, look at what credit impacts. In today's world your credit is just about everything. When you start realizing how far credit goes, do the math. Not having good credit can cost you thousands of dollars over the course of a home or car loan. So yes, credit repair is worth it.