Where do I find the contract? On the signup sheet!

Here are the terms and conditions:

*You may also find this HERE

Terms and Conditions

Consumer Rights:

Your Rights

You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law:

You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.

DIY

Step 1: Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample letter to help write your own. Include copies (NOT originals) of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures.

Credit reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file.

When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it’s accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to give your statement to anyone who got a copy of your report in the recent past. You’ll probably have to pay for this service.

Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again.

3-Day Right to Cancel

You have a 3-day right to cancel after submission.

Services to be Performed

Expert Credit Sweeps will do all disputes on your behalf. This is the general program to be followed:

Client pays and submits all required documentation and Equifax login credentials

We analyze your reports to ascertain which accounts are reporting incorrectly or inaccurately

The first round of disputes are put together and faxed, sent out certified and uploaded on the Client Portal

The first round will also include Deletion of Inaccurate Personal Information if there are multiple addresses, phone numbers, etc.

Time frame to wait for results would be 30 days and 45 days if the credit report was obtained via annualcreditreport.com 

​The second round of disputes would go out according to the results that come back in after that time period

This continues until the negative and inaccurate items are deleted and we dispute not only with the debt validation method but also disputing the balance, date, account type or status, etc. 

We upload all letters and proof of mailings and fax confirmations to the Client Portal on the encrypted and password-protected server for the client to review

How Long for Results?

​You will see results within the 45-60 business in the removal of accounts on your credit file and/or inquiry removals. The minimum time frame will be 3 months and the max will be 6 months. There are circumstances in which there will need to either be more disputes sent out to the bureaus or disputes with creditors or collection agencies. This can add time to the completion. Each client will be informed of the time frame and each step we take on your behalf. 

What is the Total Cost?

The total cost is $600 plus $25 per 15 inquiries over the 15 that are included in the price. No monthly fees or pay-per-items. 

Our Guarantee

We guarantee that each file will have negative items deleted and higher scores at the end of the sweep. There is a chance a few items will remain, but on the most part, we are able to remove the negatives.