Frequently Asked Questions

Is credit consulting possible?
Contrary to what the credit bureaus would like you to believe, credit consulting does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit consulting; however, there are times when your own limitations make adhering to this advice impossible. The two limiting factors are: (1) your financial situation and/or (2) the time-frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done within a specified time period.

What can you do that I cannot?
We act as your representative due to our working knowledge of credit scoring and experience working with creditors and credit bureaus. It may often be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting.

What is your warranty?
Our money-back warranty is easy to understand and is the best in the business.

We will refund all monthly payments if we do not remove more than 25% of all the negatives we work on, from all three major credit bureaus, within six months from the time our services are retained.

In order for the warranty to apply, you must have at least four negatives on the credit report at the time of sign-up and may not have used a credit consulting agency nor attempted to repair his or her credit two years previous to our retainer. Unpaid collections and unpaid charge-offs do not qualify for the warranty. . Clients also agree to send updated reports from each of the three credit bureaus to us within 5 days of receipt. Updated reports should be received by the client every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received

How long will it take to raise my score?
Through our services, 93% of our clients see FICO score increases of 10 points or more in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 50 points.

Why are your results different?
There are two sides to the credit score battle. Sometimes, your creditors and the bureaus have done absolutely everything right and we have no case against them. On average, Aggressive Credit Restoration Services is able to remove 70% of the negative items from a credit report.

Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

What items can you remove?
Through our services, we can normally remove the following: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, and student loans.

What items can't you remove?
None.