How long does it take? 

Most clients will begin seeing positive results within 45 days after we receive their credit reports.

Obviously, everyone's credit situation is completely different. Therefore, how long it takes for you to achieve your expected results depends on the nature of your case, the number of bad credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part: the auditing, creating investigation requests, and the challenging of your reports, usually within 72 hours from the date we received them.

On average, most of our clients have obtained the desired result by the third month.

How does it work? 

There exist many laws, both State and Federal that not only protect you as a consumer, but also regulate the credit bureaus and the creditors that report to those credit bureaus. We will use our vast experience and expertise to be your advocate in exercising your rights and correcting your credit reports with Equifax, Experian, and TransUnion.

Once we receive your credit reports, Allied Credit Solutions, LLC will immediately begin the process of auditing your reports and preparing the investigations that we will be sending on your behalf to the credit bureaus. Typically, you should begin seeing positive results approximately 30-45 days after we initiate the investigation process.

When the credit bureaus have processed the first round of these investigations, they will send you updated copies of your credit reports showing you the results of the investigations. Simply forward the updated reports to us and include all other correspondences you receive from them so that we may continue with the process.

Every time we receive your updated reports, we will document the progress, re-audit your reports, and initiate the next round of investigations; thus, gradually work through the entire list of negative inaccurate, unverifiable, outdated, misleading, or obsolete items on your credit reports.

How much will it cost? 

Our clients vary from having a few late payments to having bankruptcies, foreclosures, collections, repossessions, tax liens, and many others. Therefore, each client is different and pricing will be determined on a case-to-case basis.

You can do some simple mathematics to calculate that by sending items via certified mail (certified mail is the only way to hold the creditors responsible for their time allocation) because the cost is different for each client. There are many companies that claim to send out correspondences with certified mail, but really do not. Give us a chance to show you that we are a company that delivers over and beyond what we promise.

What are your plans and how do they work?
We analyze and perform a general audit of your credit reports on a monthly basis for the purpose of identifying potentially negative inaccurate, outdated, misleading, unverifiable, and obsolete information. After which, we will determine the best way to challenge that information. We may prepare and submit investigation requests, authorized disputes, validation requests, or other necessary documents and submit them to the proper parties electronically, orally, or by written correspondence for any and all of these items that we identify. Our experience, expertise, knowledge of relevant Federal and State laws, and best judgment will be fully utilized to re-audit and/or re-challenge the inaccurate negative factors. We will also contact the credit bureaus on your behalf and challenge the items using applicable Federal and State Laws.

Can you delete bankruptcies?

Bankruptcies are routinely removed from our clients' credit reports, as well as a vast array of items included in bankruptcy. Although we are prohibited from guaranteeing the specific results of a particular account, we can tell you that we have removed bankruptcies in the past.

Where do I mail my reports?

During the course of the service, you will mail your credit reports along with any correspondence you receive from the credit bureaus to:

612 E. 16th Street
, TX 75074

How long do negative items stay listed?

Federal Law requires that most negative credit items must be removed from your credit bureau file after seven years of no activity. There are some exceptions to this, like Chapter 7 bankruptcy, which can be reported for up to ten years. However, there have been reports with negative items listed for well over 7 years. This happens often when the credit bureaus make a mistake, or when the creditor re-ages the account, or reports a wrong "last activity" date. This can also happen with collection accounts that are sold from one debt collector to another. Sometimes, figuring out the date when the "seven year clock" starts counting can be a bit complicated. For example, the law states that for charge-off accounts, the date begins 180 days after the commencement of the most recent delinquency. Inquiries may remain on the credit report for up to two years.

What is a credit score?

A credit score is a number that reflects your risk level as an individual consumer, as determined by a scoring model or formula. The higher the number, the lower the risk will be to the lender. As you apply for increased credit or attempt to make a purchase, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or the purchase of what you requested. The score generally ranges from 350 (lowest) to 850 (highest).

What kind of information will be on my credit report?

Credit reports contain a listing of some or all of your credit accounts that have been active at some time within the last seven (7) years. They also contain any public record (Chapter 7 bankruptcies are reported for 10 years), current and previous addresses, current and previous names, a listing of potential creditors that received your credit file, and other miscellaneous information that the credit bureau has about you. Each account listing generally has your account number, the credit limit, your current balance, and your previous payment history. This payment history can contain notes of late payments, any collection or transfer history whether the account was included in bankruptcy, and the current payment status of the account.

Can I see my credit report?

Most credit grantors are not allowed by the credit bureaus to show you your own credit report. In our enrollment procedure, however, we will order all three of your credit reports for you. When we do this for you, it will not count as a negative inquiry against you.

How much bad credit does it take to be denied credit?

Even one small late pay listing may result in credit denials. Any negative credit, whatsoever, can become a substantial credit obstacle. There are also other factors that will play into the decision of the lender. What is your debt to income ratio? How long have you been with your current employer? The exact criteria used for granting or denying credit vary from lender to lender. But any negative/bad credit remark on your credit report may be enough to deny you credit.

Who looks at my credit report?

Lenders, property managers, insurance companies, prospective employers, and companies that you presently have a credit relationship with, and anybody with a permissible purpose, who wants to know who you are, can get access to your credit file. In many situations, your credit report will actually become your identity. People will know you not by who you are, but by what is reported about you by the credit bureaus. Obviously, those reports can be extremely damaging, especially if they contain incorrect, misleading, or obsolete information.

What is a public record?

A public record is a file such as a bankruptcy, tax lien, or judgment that is filed in the courthouse. Unlike your creditors, the courthouse does not report public record information to the credit bureaus. The credit bureaus must, therefore, rely on third parties or smaller local affiliated bureaus to go out and research the information. For the purpose of fixing your credit, the laws that regulate the reporting of these public records are the same as any other item and are treated no differently in that regard.

What is a charge off?

When you become very delinquent on an account, the creditor will probably "charge it off" against their profit and loss. A "charge-off" is basically an accounting term used in accrual accounting that says the amount is now a loss. In a short period of time, the creditor determines that the account will not be paid and they will write it off for tax purposes. Once they minimize their loss from that account, they will sell that file to a collection agency to decrease the loss even further. The collection agency will then use a wide variety of means to collect the debt. Charge offs are very negative listings.

Can a bad credit mark actually be deleted?

Yes, they can definitely be deleted when they are found to be inaccurate, outdated, unverifiable, misleading, obsolete, or legally lacking in some other way. Although the credit bureaus would have you think otherwise, we have seen literally thousands of deletions ranging from bankruptcies to late payments.

Does it matter which state I live in?

No. The laws that regulate the credit bureaus and your creditors are mostly federal laws. We have clients nationwide.

Will this raise my credit score?

Typically this is the case, which is why we are helping you. Removing the negative inaccurate, outdated, misleading, unverifiable, or obsolete items from your credit reports may have a very positive impact on your credit score and your ability to get credit. It is illegal to guarantee this. Clients, who stay with our program and adhere to it, may see their ability to receive credit enhanced tremendously.

Is there anything that cannot be removed from a credit report?

No, all the information reported by the credit bureaus are subject to the same laws and criteria. We may challenge, on your behalf, any items and the credit bureaus must investigate them.

How many items do you dispute at one time?

Experience has shown us that investigating too many items at one time can actually slow down the process because the credit bureau may deem our request frivolous. Therefore, we only submit investigations for the number of items that we deem appropriate for your case.

We want you to see results. From there, we will challenge as many items as possible without jeopardizing a slowdown of the process.

Should I still be paying my bills?

We would never advise not paying your bills, but that issue is between you and your creditors. We work on what appears on your credit reports and leave the issue of your current payments up to you. Although related in some ways, your bills and your credit are not the same thing.

If I keep paying my bills, will that raise my credit score?

Paying your bills on time should do nothing but help your credit score. Many of our clients are trying to buy a home, refinance a home, or qualify for new credit. Good payment histories will help you do all of those things. We often tell people that while we work on the past, you should be working on the future.

Can I restore my own credit?

Yes, you can. You can also represent yourself in a court of law, but that doesn't mean it is necessarily a very good idea.

We offer experience, knowledge, time, and professional help at very affordable rates for your convenience and benefit. It isn't a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. The credit bureaus will do everything in their power to discourage consumers from making progress with their credit restoration.

Restoring your own credit is like repairing your own transmission or representing yourself in court. It is possible, but you must decide if you are willing to take the time and assume the risks of doing it yourself.

According to a recent report made by, a non-profit, independent firm, "It isn't nearly as easy for consumers to correct errors as it is for the [credit] agencies to make them." Just as you are probably better at what you do than we would be, we are probably better at credit repair than you would be.





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