How We Differ

Credit Repair is over. You should not pay anyone to click a dispute button for you. You can do this on your own. Items are not removed because the creditor doesn't respond. Our technology these days is far ahead of what it used to be. Not to mention you cannot dispute the same account twice without new evidence to provide. You also need to be very careful what information is disputed as it could cause you more harm.

Child support and has to be done on your own with your attorney general. If you are making payments on time yet you see you are being reported late each month, you need to check with your Attorney General to see what payment date they have for you . Then speak to your employer on the pay schedule the are sending. You might see they are paying after the due date each month for the full balance due. This is a simple fix.

Others will tell you that late payments and charge-offs can be removed from your credit report. This is False! You would need to have sufficient evidence to remove a late payment and or original creditor (charge-off) from your credit report. Examples would be Id theft or an error in reporting and you have proof with a bank statement.

For Public Records, these are not on your personal credit reports any longer. Just because you do not see them, doesn't mean they are not there. They will be on a backend report pulled by your lender called "LexusNexus".

Others will tell you they can remove student loans/ late pays on student loans. FALSE!

If you pull your report and see that you are late on your student loans, you need to contact your loan provider. They will work with you on your budget and loan amount. They may even be able to get you approved for an extension or forbearance. Just know that student loans don't report late to your credit until after 90 days of being late. They will try to make contact with you before then. So if you need an extension, reach out to them.