Perfect Credit Rating

According to the company's contract, they charge $220.00 as a set-up fee and $49.00 each month to dispute credit reports. The contract indicates that there are no guarantees of any results and the desired outcome of services may require more or less time. Any company offering to assist you in modifying, correcting, or improving your credit report may not take money in advance before performing services and the services must be performed within 6 months of the contract date. The contract must also contain a five day cancellation clause as required by law and include a detailed list of the specific services to be performed.

By law, information stays on your credit report for seven to 10 years. Accurate negative information can only be removed by with cooperation of your creditors, and this usually involves paying all or some of the debt. If you believe your credit report contains erroneous information, you may dispute the entry by calling or writing the reporting agency. While in dispute, the negative item may be removed temporarily from your report, however it will be added on again if determined to be valid. If you believe your credit report contains erroneous information, you may dispute the entry by calling or writing to the credit bureau.