Credit Restoration is legal and the law is on your side. Studies have shown that many Americans have errors on their credit reports and we're experts in getting them resolved!

1.) Is Credit Restoration legal?

Yes, it is legal and our services will help you to use the law in your favor. 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 time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

2.) Is Credit Restoration worth my time and money?

Contrary to what credit bureaus want you to believe, credit restoration does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main 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. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Also, there are specific requirements the Credit Bureau, Collection agencies, and Creditor must adhere to, when placing items on consumer credit reports, if these requirements are not met, the negative items can be removed.

3.) What can I expect when I enroll in for R & L Advising Services?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may 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. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

(Clients should receive updated credit reports every 45 days. It is the client's responsibility to make us aware if updated reports have not been received).

4.) How long will it take to raise my score?

Through our services, we're quick and efficient and mail off dispute letters within the first week. Credit Bureaus have 30 days to respond to dispute letters, so you will see improvement within the first 45 days. NOTE: Each credit report is different, thus credit completion will vary based on your current credit standing and your credit goals. Many clients average 6-9 months in the program.

5.) Why is R & L Advising different?

On average, we remove 60% of the negative items from a credit report. We're affordable, trustworthy and we GET RESULTS! No Hidden Fees.

6.) Will the removed items come back?

98% of items do not come back. By law, Collection agencies and credit bureaus must notify you before putting items on your report. Moreover, collection agencies can transfer debts, in which case, you have 30 days to respond to the debt. If an item does come back, we can target to delete.

7.) What items can you help me to remove and improve?

With our assistance, our clients have had great success with bankruptcies, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, judgments, tax liens and student loans.