You are entitled to a 100 percent refund on all monthly payments if ALL of the following has transpired:

We do not remove any negatives that were previously worked on. You have 120 days (4 consecutive months) from the time that you retain our services to see any changes before you are entitled to a 100 percent refund. To further qualify, you must have never used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services. You must have had no new collections or missed payments during the time frame we are assisting you. You MUST have maintained credit monitoring services at all times during the time frame we are assisting you. You ARE REQUIRED to agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received for us to represent you appropriately.

• Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.

  Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Pay all of your bills on time, forever! This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards because they are all connected and will report to the credit bureaus. Check your credit report at least once a year or once a month. You can find out how to challenge bad information on your credit report with the guidance of Fourte Media LLC.

Never charge more than 20% of the available balance on any of your credit cards (6-10% AT MOST is optimal).  Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 20% a priority. Never neglect your credit cards. There are a plethora of people who get frustrated and believe never using the credit card again will solve their problems. If you struggle with discipline toward your credit it is best for you to only run small utility builds on your credit cards monthly, and then pay the full balance a few days before the due date. This guarantees your card remains active while simultaneously paying your utility bills in a timely fashion. As you continue to get to the next level and evolve in the credit world, your score will continue to increase and  If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked away.

Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score.

Remember this is a marathon … not a sprint. – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.