Our Savvy Credit Literacy Program

​Our Credit Counseling Program is designed to not only repair your credit but assist will the rebuilding process. During this process we will legally request to delete and block the reporting of derogatory items on all 3 major credit bureaus, while keeping the positive credit in place.  The length of time this process takes is determined by a couple of factors. If you have worked with a credit repair company in the last six months or made disputes yourself, it will take more time then if you have not done any disputes on your credit file. 
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The Follow Items Are Included: Charge Offs, Collections, Repossessions, Foreclosures, Tax Liens, Discharged Bankruptcies, Late Payments, Child Support (Conditioned), Student Loans (Conditioned)
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Items Not Included: Any Open Accounts, Open Bankruptcies

Inquiry Removal

There are two kinds of inquiries that can occur on your credit report: hard inquiries and soft inquiries. While both types of credit inquiries enable a third party, such as you or a lender, to view your credit report, only a hard inquiry can negatively affect your credit score. Understanding the difference and the impact these inquiries have is one of the first steps to properly managing your credit score.

What is a hard inquiry? Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card, or mortgage, and you typically have to authorize them. The most important thing to note is that hard inquiries might lower your credit score by a few points and they may remain on your credit report for two years. As time passes, damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report.

What is a soft inquiry? Soft inquiries typically occur when a person or company checks your credit report as part of a background check. Examples include employer background checks, getting “pre-approved” for credit card offers and checking your own credit score. A soft inquiry may occur without your permission. Soft inquiries may be recorded in your credit report, depending on the credit bureau, but they won’t affect your credit score.

Inquires that can be deleted:
  1. Did not result in a New Credit Account being opened.
  2. Is not from one of you​​​​​r existing Creditors with whom you have an Open Account.
  3. Is not from one of our Credit Partners used to help build or restore your credit.
Typical Completion Time: 3 to 6 Weeks

​The ​Clean Slate

​​Our Clean Slate program is an aggressive deletion method where we create a personalized program to repair and rebuild your credit. We use a proprietary pre-litigation process which is a permanent deletion method. THIS IS ​NOT A DISPUTE PROCESS. You are still responsible for the debt/obligation of the blocked items, but it will not show up on your credit report. The process usually takes up to 120 business days and positive results averaging 200 points. The length of time this process takes is determined by a couple of factors. If you have worked with a credit repair company in the last six months or made disputes yourself, it will take more time then if you have not done any disputes on your credit file. We have seen it take as little as 7 days on files with no disputes in the last six months. Inquiry removal is included under certain circumstances. ​Contact one of our Credit Specialist for a free consolation and pricing.

The Follow Items Are Included: Charge Offs, Collections, Repossessions, Foreclosures, Tax Liens, Discharged Bankruptcies, Child Support (Conditioned), Student Loans (Conditioned)
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Items Not Included: Any Open Accounts, Late Payments, or Open Bankruptcies