In this example, we will outline the differences between credit repair and credit restoration. The credit restoration process we use takes full advantage of Section 609 of the Fair Credit Reporting Act (FCRA). We, as consumers may dispute information which is Misleading, Inaccurate, or UNVERIFIABLE. Simply put, we force the credit bureaus to comply with federal law.

CREDIT REPAIR:

Typically involves the CLIENT writing letters to creditors reporting information and attempting to prove you made did not make a late payment, or that the information being reported is somehow inaccurate, or misleading. They require the client to provide the information they need to assist in the dispute process, which can be time consuming and a nerve wracking experience for the client.

Credit Repair is a lengthy and expensive process which often fails to deliver what has been promised to the customer. Because credit repair companies must, by law, charge a start up fee and then charge a monthly fee it is in the credit repair companies best financial interest to draw the process out as long as possible.

Credit Repair is often successful in having some items removed, only to have it re-report in a different reporting cycle. Thus, it is not a permanent removal of the information.

Credit Repair cannot delete ALL types of negative information from a credit report, and therefore, may not have the desired outcome.

CREDIT RESTORATION:

Deals directly with the credit bureaus; we do not write letters to creditors or ask that information be changed or modified to improve a credit score. Instead, we assist our clients in disputing the credit bureaus legal right to report our private financial information.

We force the credit bureaus to comply with the FCRA, by making them produce verifiable proof they can legally report your private financial information. This means the credit bureaus MUST have a copy of an original document with your signature on it.

If the credit bureaus do not remove or change an item they are reporting to current paid as agreed once they cannot produce a document with your signature on it, they are in violation of federal law and subject themselves to a $1,000.00 fine for each item they report. It matters not how accurate the information may be. If the credit bureau cannot provide documentation with your signature on it, they cannot legally report that information.

There are NO negative items which cannot legally be removed from a credit report if the credit bureaus cannot, or will not provide verifiable proof that the item reported is yours.

True Credit Restoration is permanent and the information, once removed or changed, cannot be re-reported without penalty for reporting information the credit bureau KNOWS they do not have the documentation for.

Provides an educational program to educate clients on how the credit system works and how maximize credit scores by adding positive information to their credit profiles.

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When compared side by side, our credit restoration system is much more economical and effective than ANY credit repair system. Our program is copyrighted and trademarked. We have a proven system which has an astounding successful deletion rate. No other company can come close to our numbers. Additionally, we provide an educational program to educate our clients about how the credit system works and how to maximize their credit scores. Furthermore, client's who have been in our system for one year have a 2% future default rate as opposed to approximately a 10% nationwide default rate.

Our program is a year long program and we stay with our clients for one full year at NO additional costs.