There’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have seen an average increase of 50+ points in just 2 months*, and have typically our clients stay with us for six months to a year to maximize their potential for success.

Typically to maximize a 750-800+ credit score or better you must not have anything lower then 100% on payment history (NO Late Payments) , Credit Card Utilization Can Not Exceed No More Then 9%, Absolute Zero Derogatory Marks (Can Never Be More Then 0) , Credit Age Has To Be Around 7+ years (There are ways to add additional history) , Must Have At Least 10 Open Accounts Minimum , & No More Then 1 Hard Inquiry.

There are numerous credit reporting agencies, here are some notable ones:

Innovis - A smaller credit reporting agency that provides credit information to lenders. Often used by companies for secondary credit checks.

ChexSystems- Specializes in providing information on consumer checking and savings account activity.Used by banks and credit unions to screen applicants for new accounts.

TeleCheck Provides check verification and guarantee services. Helps businesses assess the risk of accepting a check for payment.

CoreLogic Credco Offers merged credit reports from the three major credit bureaus for mortgage lenders.Provides property, mortgage, and financial information.

LexisNexis Risk Solutions Provides comprehensive background checks, public records, and credit information. Used by insurers, employers, and government agencies.

Sage Stream Collects and provides credit-related information for lenders and creditors. Focuses on providing additional data to supplement traditional credit reports.

ARSTRAT (Receivable Solutions Specialist)Provides credit reporting and receivables management services.

Often used by healthcare providers and other industries to manage accounts receivable.

FactorTrust Specializes in providing alternative credit data for underbanked consumers. Acquired by TransUnion to expand its credit data offerings. National Consumer Telecom & Utilities Exchange (NCTUE)Maintains information on consumer payment history with telecom and utility companies. Used by telecom and utility companies for credit assessments.

These secondary agencies complement the major bureaus by offering additional data points and specialized information, which can be valuable in specific contexts such as banking, employment, and tenancy.

Our average clients uses our services for six months, so the sooner the better. Especially if you have plans to buy a home or car soon, getting started today can save you a big headache tomorrow.

Building positive credit history involves:

• Paying all your bills on time, including credit cards, loans, and utility bills.

• Keeping credit card balances low relative to your credit limits (aim for a utilization rate below 30%).

• Avoiding opening too many new credit accounts in a short period.

• Maintaining a mix of credit types (e.g., credit cards, installment loans).

• Keeping older accounts open to lengthen your credit history.

• Regularly checking your credit reports to ensure accuracy and address issues promptly.