We are a licensed and bonded Credit Repair Organization. We NEVER charge any upfront fees. We charge for the work that is done AFTER the work is complete each 30 days ONLY! We average raising a person credit score an average of 127 points in 4 to 6 months. The Fair Credit Reporting Act gives you specific rights when dealing with the credit reporting agencies. Specifically if you have anything on your credit that is not 100% accurate, 100% verified and 100% reporting in a timely manner these things can be repaired OR deleted!