Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports to improve your credit score.

The reason the vast majority of credit repair companies are so ineffective is because there are extremely specific rules on how to properly dispute and the internet is filled with innacurate information on how to properly dispute.

It’s the blind leading the blind.

Most entities in this industry are imcompetent, a scam, or both. More details about this can be found on the Why to NOT Choose the Other Guys page.

We can assist with all types of negative accounts including late payments, charge-offs, collections, repossessions, foreclosures, bankruptcies, and more.

There are really three main reasons:

1. Most entities in this industry are imcompetent, a scam, or both. We go over this much more extensively in the Why to Not Choose the Other Guys tab.

2. We are the only Credit Repair service that can end up MAKING you money (and likely will). More details on how that works can be found on the homepage.

3. Our service was created and designed by Consumer Protection attorneys. Aaron Swift and his legal team created this service after 15 years of industry experience and over 1,000 lawsuits against the credit reporting agencies (Equifax, Experian, TransUnion, Innovis) and other first and third party collectors. More information about the team can be found on the About Us page.

The entire process lasts 7 months total (with 6 rounds of disputes). Anyone promising faster results is either wrong, dishonest, or doing something that can get you in trouble!

Note: In many cases, we will send your file to our partnering law firm before the 7 months is finished. In these cases, you will stop being charged when the file is transferred to the law firm.

More details about our process can be found on the Our Process (and Why we are Different) tab.

Because our entire credit repair service is specfically designed for lawsuits. Litigation is the end-goal (litigation means suing the bad guys). With litigation, the problems get fixed AND you get paid.

More details on how this works can be found on the homepage.

If your file qualifies for litigation, we send your file to our partnering law firm.

The Consumer Protection law firm we are partnered with is Swift Law North.

We offer this service free of charge (and you stop paying us when we transfer the file over).

Over 95% of files we process are transferred to law firm!

If your file doesn’t qualify for litigation (rare!), no worries, this is still the most thorough and effective credit repair service in the industry. 

If you are dealing with any of the following issues (which are considered major violations), we MAY be able to refer you to the law firm directly:

     1. You are the victim of Identity Theft of Fraud.

     2. Your credit report is Mixed or Merged with someone else’s.

     3. Your credit report lists you as Deceased.

If any of those describes your situation, please message us directly through the Contact tab.

The Consumer Protection law firm we are partnered with is Swift Law North.

• Please note that these types of cases can be worth potentially hundreds of thousands of dollars in your pocket!

• Swift Law North represents most consumers on a contingency-fee basis, so you will never pay out-of-pocket fees or costs. This means if they win, the opposition pays the fees, and if they lose, you don’t pay anything. It’s a win-win.

If you are being sued for debt, unfortunately, we cannot help you, unless you are being sued for debt that is not yours. This includes the following situations:

– If you are the victim of ID theft or fraud.

– Your credit reports are mixed or merged with someone else’s.

– Your credit report lists you as deceased.

– If you can demonstrate that the debt was previously settled (with documentation).

– If you can prove that debt was included in a bankruptcy. 

– Basically any situation where it’s provable that you don’t owe that debt. 

– If any of these describes you, contact us right away directly via our Contact page.

If you are being sued for debt that IS yours, we recommend the following:

Go to the NACA Find an Attorney Website by clicking here, Filter by your State, and then Filter by Area of Practice “Debt Collection –> Debt Defense.” This is where you should start for trying to find an attorney that can help you. 

ALSO search local legal aid (Google the one in your home County).

If you are unable to find someone that can help you (this might happen), our best advice is to call the other side to try to settle the debt. Get the lowest possible payment amount they will accept, whether it’s a one-time, up-front, small lump sum, or the lowest monthly payments they will accept. When you get this agreement, it should stop the case and stop the garnishment. 

Once the lawsuit is over, come back here 2 months later and contact us to let us know.  These companies almost never credit report correctly on credit reports after these types of lawsuits, which means we will 100% be able to refer you to Swift Law North to sue for misreporting on credit reports. 

This means 100% fixed credit reports (including other problems your reports may have) PLUS money in your pocket!

And don’t forget Swift Law North is a contingency-fee based law firm, which means there are no out-of-pocket fees or costs to you at all.

No – nobody in this industry can (because nobody can control what the credit reporting agencies will do).

HOWEVER, two things to keep in mind:

1. We are the best in the industry at what we do (this is due to the quality of our internal checklist and disputes).

2. If we don’t get the results that we want, we will transfer your file to the Consumer Protection law firm we are partnered with and they win over 99% of their lawsuits, resulting in the best possible outcome for your credit reports.

This is closest you’ll get to a guarantee in this industry.