What is a credit sweep?

We work on removing the inaccurate negative items on your credit report, fast. We do not touch positive accounts as those are helpful for you. 

How long does it take?

Every credit report is different. Factors that impact the timeframe include how many negative items you have, how recent they are, and if you have gone through credit repair recently. If additional rounds are needed, it will be an additional 30 days for each round. Note that you will continue seeing improvement throughout this entire process given you follow our guidance to maintain your results and empower a lifetime of good credit decisions.

Are credit sweeps legal?

A credit sweep is a form of credit repair which is 100% legal and it works because of the law. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report. If an item cannot be verified, it must be removed. This is the basis of all credit repair.

The FCRA is a U.S. Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in the files of consumer reporting agencies. It is intended to protect consumers from willful and or negligent inclusion of inaccurate information on their credit reports.

What is your guarantee? What is your refund policy?

We guarantee you will have deletions or we will refund your money. 

Note: If you have a new derogatory account, run up your credit card balances over 30%, miss a payment, and/or have multiple new credit inquiries, we can see this and it will cause a reduction in your credit score, ultimately undoing all of the progress we made. Don’t do that to yourself!

How many credit bureaus do you work on?

We work on all three credit bureaus, not just one.

Are credit sweeps effective?

ABSOLUTELY! This is highly effective for a credit score after a collection, delinquency, bankruptcy, divorce, Identity theft, judgement, late payment, or foreclosure. We work on all of these.

79% of all credit reports contain errors! This means that most credit reports can be improved instantly. We work on correcting inaccurate and misleading personal data on your credit report. Also inaccurate and unverifiable credit and collection information must be complete, accurate and verifiable otherwise you have the right to dispute the account.

Should I close old credit card accounts?

NO WAY! Old established accounts are built into your account history which is a huge chunk of your credit score. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open.

Old accounts are your positive credit. Positive credit takes YEARS to build and if you ever needed to purchase it in the form of a tradeline, it is very expensive. Your old accounts are important, do not close them.

How much does it cost?

We have made it so our service is affordable to anyone. Pricing will depend upon your outcome and how quickly you want to get to it. We have custom plans, please call us for details on how we can make it work for you based on your outcome.

What is a tradeline?

We also legally add positive history to your credit report which increases your credit score fast. We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. FICO® digests this newly added credit and recalculates your score with drastic improvements.

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report. Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The only type of tradelines that we provide here though is Authorized User tradelines, with perfect payment history, low utilization (under 25% unless otherwise noted) and perfect payment history.

Should I add tradelines?

Yes. You must have credit in order to have a credit score. In order to have the best credit score possible, you need to have at least 3 open, positive, accounts with perfect payment history. If you do not have this on your credit report, we have you covered! Add our 5,000 credit limit Primary Tradeline as well as authorized user tradelines to increase your credit score instantly and improve your overall consumer buying power. We have tradelines for every outcome, from high end to low end.

When should I add tradelines?

Add the 5k primary immediately. Depending upon your goals and your timeframe, the best time to add authorized user tradelines within 30 days of starting the credit sweep program.  

Do I have to do any of the work myself?

No! We handle all of the disputes electronically. All you need to do during the process is ensure that you pay your bills on time so that your credit does not get worse. Be sure to keep your credit monitoring service open so that we can continue to track progress.

How do I know what you are working on?

Track our progress in real time 24/7 through our client portal. There you can see your disputes, results, as well as credit resources and financial planning tools. Contact us directly through the portal at anytime.

Is credit inquiry removal included in the credit sweep?

No, credit inquiry removal requires a completely different method and is not included in the credit sweep service. Credit inquiry removal is a highly underrated and powerful service that will enable you to start getting approvals. We offer credit inquiry removal for only 495, you can order directly from us on our site and have results within 15 – 30 days.  

Do you offer debt settlement?

No, our sole focus is on increasing your credit score and improving your credit report. Debt settlement companies offer a completely different service whereas credit sweeps are unique and focus on ensuring the data on your credit report is reported 100% accurate, timely, and fair.

 

Can I apply for things while I am going through my credit sweep?

No, it is not recommended to use your credit while you are getting your credit repaired. You should wait until you see significant deletions and work on injecting your credit report with positive accounts (I.e. Tradelines) so that you increase your consumer buying power. That way you can get approvals and competitive interest rates so that your payments will be lower, more manageable and affordable.

 

Do you work on business credit repair?

No, sorry. But please ask any questions you have. We have a wealth of experience and guidance.

What credit monitoring site do we prefer for Credit Sweeps?

IdentityIQ, you can sign up here through our discounted link. We also accept Privacy Guard. To avoid delays, use one of these two services (IdentityIQ or Privacy Guard). 

Sign up here through our discounted link —> Discounted Link for IdentityIQ

Other monitoring services that are accepted are Credit Check Total or any PAID 3 bureau monitoring service. Note your file will get processed slower using anything other than what is recommended. 

Credit Karma is NOT accepted for any of our services.

 

 

Do I need to remove Fraud Alerts from my file before adding tradelines?

Yes. If you don’t then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert, it is a simple phone call to each bureau to remove it. You can put your fraud alert back on once your tradelines have posted.

 

Do you do funding?

No we do not, but please ask as we do have certain places we can recommend and refer you.