This depends on a few different things. First, it depends on the number of negative accounts that you have.
Second, for you to have the best results in shortest amount of time it will be best if we work together. It will help
a lot if you: pay down you credit card balances and keep them below 10% of the available credit, don’t apply for
new credit unless we instruct you to do so, and sending creditors and bureaus response letters to us as soon
as you get them. On average, it takes 6-12 months to increase your score, but we have seen it take longer and
shorter in some cases.

Our results are better than average because we use every tool at our disposal.
1. We help you challenge credit errors that are hurting your score by submitting letters to creditors and credit
bureaus, and complaints to federal agencies.
2. We help you add more positive information on your report so that the negative information impacts your
score less.
3. We help you understand how the credit system works so that you can maintain excellent credit long after our
work together.
4. We will help you maximize the benefits of your excellent credit so you can put more money in your pocket.

On rare occasions the removed accounts are resold to other collection agencies. Since these accounts were
removed once, they most likely can be removed a second time.

We can not tell you a specific account will be removed for sure, unless it is not yours or you have proof you
have paid the balance. We do guarantee you we’ll be very persistent in challenging stubborn debt. If we can’t
remove an account we’ll even help you negotiate it for a big discount and deletion.