Questions about credit repair and business funding

Is credit repair legal?

Yes, when it follows the law. A federal law, the Credit Repair Organizations Act, sets the rules credit repair companies must follow, and many states add rules of their own.

Can you get accurate negative items off my reports?

No. No one can legally remove accurate, up-to-date negative information from a credit report, and that includes us. We dispute items that are inaccurate or outdated, or that can't be verified. On your call, we go through your reports with you.

How long does it take?

It depends on what your reports show, and every file is different. Credit repair runs in monthly rounds, and building can't be rushed: account age and LLC age only grow with time. On your call, we'll go through your plan and how long each stage usually takes.

What do banks look at?

When you apply for business credit, banks look at your personal credit and at your business. The readiness check looks at the nine things we check on every call:

Banks still decide.

How do I pay?

We go through cost and how payment works on your call. You pay for the stages you need, and we'll tell you when you don't need us.

Do you work with people outside Michigan?

We're based in Michigan and work with clients by phone and video call. On your call, we'll confirm which of our services we can offer where you live.

How will I know what you're doing?

We show you where you stand before we sell you anything, and if you don't need a paid service, we'll tell you.

After each round, you get a plain update: what we sent, what came back and what happens next.

Every account and login stays in your name.

Is the workshop really free?

Yes. How banks decide is a free, live workshop every Wednesday at 7pm Central. Bring your questions.

Weekly credit tips plus a link to our free weekly workshop.