Copyright © 2017-2019 Stephen W. Gangey  ·  All Rights Reserved  ·

Terms and Conditions

Congratulations! Your taking the best step to improve your creditworthiness and financial standing!


You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly.  However, neither you nor any other company or organization has the right to have accurate, current and verifiable information removed from your credit report.  The credit bureau must remove accurate, negative information from your report only if it is over 7 years old.   Bankruptcy information can be reported for 10 years.
You have the right to obtain a copy of your credit report from a credit bureau.  You may be charged a reasonable fee.  There is no fee, however, if you have been turned down for credit, employment, insurance or rental dwelling because of information in your credit report within the preceding 60 days.  The credit bureau must provide someone to help you interpret the information in your credit file.  You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days.  If you are a recipient of public welfare assistance or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act.  This law prohibits deceptive practices by credit repair organizations.
Credit bureaus are required to follow reasonable procedures to insure that the information they report is accurate.  However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file.  The credit bureau must then investigate and modify or remove inaccurate or incomplete information.   The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate.  The credit bureau must include a summary of your statement about disputed information with any report it issues to you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations.   For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C.
There are many variables in this business that no one can control.  Our experience gives us the skills to influence a positive outcome for our clients, as indicated by the many positive reviews we have received over many years.  However, we can make no guarantees as to the outcome of any specific credit item on the credit profiles.

We will exercise the system to the best of our ability to fulfill the stated goal of raising our Client's Credit Score as fast as possible. 

This is a constantly changing environment, and we continue to make adjustments and reactions to results received to improve our systems.  This is not an exact science, so we have to remain open to possible adjustments.

Wish us good luck as we embark on this journey together.



Counseling per hour

Profile Review Program Fee (PRP) includes Counseling
Discounted for Veterans, Teachers, & Law Enforcement

Ultimate Credit Improvement Program (UCIP) Setup
Deletions from each bureau (Retainer Required)

Negotiations, per hour, billed in I/10 hour increments plus a percentage of the savings.

Special Letters

Response to Cause Letter

Subject to Change Without Notice


$ 55

+ 20%





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