QUESTION:  “Is it legal for me to fix my own credit?”

Yes, credit repair is legal.  It’s YOUR credit file.  You have every right to correspond, investigate and challenge data in YOUR credit file.

Our credit software will help you put the law on your side.

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 period of time, usually 30 days, it must be removed.

Some studies have shown that 95% of all credit reports contain errors.  This equates to more than 9 out of 10 reports.  Therefore most credit reports improve immediately.

As for items that are disputed that are not errors, a creditor or the custodian of the credit data about you, is often unable to find the records or signed documents within the allotted time and the item gets removed.  Sometimes the furnisher, or custodian of the credit data, will say it has been verified but not offer proof.

It is your job to prepare documents that challenge this position, and our software is designed to very deftly address, in writing, the issues and the process of challenging the validity of the data contained in your credit file.  For more indepth information on this topic visit the FCM Credit Info Bookstore.

When you send all of your correspondence via certified mail, thereby legally recording the date, you are putting the agencies, and in turn the creditors, and/or furnishers, or custodians of credit data, on notice.


QUESTION:  “Is fixing my credit worth my time and money?”

Contrary to what the credit bureaus want you to believe, credit repair and knowledge of the Fair Credit Reporting Act does work in your favor.

Anyone with a credit file can benefit long-term from the software and information provided through our software kit.  However, everyone’s credit file is different and everyone’s time frame for results are different.


QUESTION:  “What can I expect when I buy the credit software?”

The software will guide you through the process from start to finish and prompt you every step of the way.

Using this credit repair software is like having your very own credit attorney, standing by your side, fighting for your rights.  You’ll create all the letters you need, with the click of a mouse.

It can be difficult for an individual to communicate with creditors and credit bureaus without an adept understanding of their protocols, processes and regulations.  Don’t re-invent the wheel, just do the work.

When you become educated about your credit file, the Fair Credit Reporting Act and how to stand up for your rights, you’ll experience the satisfaction of knowing that you too can have all the nice things that credit can help you buy.

We know the law, the Fair Credit Reporting Act, and using the law to your advantage will help you remove negative information on your report.

We’re very confident about what our software and our system can do for you, and we know you’ll get the same great results you’d get if you hired a pricey credit attorney, and you’ll save a lot of money.

If you’re willing to download some software, put in a little time, mail some letters, you can achieve the same results as an attorney and his legal secretary, and save a bundle of money.


QUESTION:  “How long will it take to raise my score?”

When you consider that 79% of all credit reports contain errors, especially after a bankruptcy filing, after the first round of work on your credit file, about 35 days or so, you can expect to see an increase in your score.

Exactly how much of an increase you could see, depends wholly on your file, what’s in it, and what needs attention.  Do the work, get the results, save a bundle.


QUESTION:  “Will I be able to use this software for years to come?”

Yes.  You buy the software once.  The process is simple, really.  It just takes you to plug into the system, drive the car.  The system works because it puts the power and control in your hands.  You take the action steps, we show you how.

This ability and how-to knowledge, arms you for years to come and it gives you the knowledge and understanding which in turn give you peace of mind, this empowers you to track your scores and keep them healthy … no matter what hard times you might come across, you can now take steps to fix or repair any damage, even in the future.

Nobody cares more about your credit more than you!  It’s your money!


QUESTION:  “Will the removed items come back?”

Items cannot come back as long as the item is current or paid at the time of removal.  If the collection is older than three years once removed … the bureaus do not get a re-do … so the item cannot be put back on your report.


QUESTION:  “What items can you help me remove and improve?”

With our software and document processing that we prompt you to perform, clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.




You can force them to …


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