Get ready to take control of your financial freedom.
After just one session, you’ll feel more in control of your credit goals.
Our Services
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Debt Management
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Business Credit Building
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Personal Credit Repair
Accelerated Freedom Plus
Accelerated Freedom Plus includes an active trade line and disputing derogatory accounts on your credit report. Monthly updates will be given, and credit mentoring will be provided throughout your membership with Restore Freedom.
Restore Freedom Plan
The Restore Freedom Plan includes disputing derogatory accounts on your credit report. You will also receive monthly updates and credit mentoring throughout your membership.
Virtual Consultation
Do you have questions about how to fix your own credit or build business credit? Do you have business questions? Book a virtual consultation in 30-minute increments for credit and business answers.
Restore Freedom Business Builder Plus
Restore Freedom Business Builder Plus includes:
Business Filing with your respective state (filing fee not included in the plan)
Employer Identification Number (EIN) filing
D-U-N-S Number filing
Nav account set up
3 Net Spend Accounts set up that report to ALL 3 business credit reporting agencies.
Professional Business Email address set up
Virtual Business Phone line setup Optional (fee not included in plan)
Virtual Business Address Setup Optional (fee not included in the plan)
Restore Freedom Business Builder
Restore Freedom Business Builder Includes:
D-U-N-S Number filing
Nav account set up
3 Net Spend Accounts set up that report to ALL 3 business credit reporting agencies.
FAQs
What is credit repair?
Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t prove these items are fair, accurate and substantiated, they are required by law to remove them.
How long does credit repair take?
Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, last year alone, our clients saw a substantial amount of negative items removed from their reports, and typically stayed with us for six months.
Also, Restore Freedom offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade. If you’re interested in a product with more credit repair baked in, contact us to discuss what add ons would work best for you.
Can I repair my own credit?
Absolutely. You can contact the credit bureaus and your creditors to get any questionable negative items removed your credit reports. However, this process is time consuming and confusing. Working with a reputable credit repair law firm like Restore Freedom can help you remove these items from your reports quickly and efficiently.
What is a derogatory/negative item?
A negative item on your credit is anything in your credit history that could lower your score. It includes things like collections, late payments, charge-offs, liens, bankruptcies, repossessions and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.
How long do negative items remain on my credit report?
Most negative items will fall off of your report after seven years, though some deletions may take as long as 10. The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. If you’d rather not wait that long, credit repair is a great alternative.
Can deleted items reappear on my credit report?
Yes, even after an item is removed or deleted, your creditors may report the item again. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. If a questionable credit item is verified at a later point in time, Restore Freedom will help you challenge the listing again if there are legitimate grounds to do so.
Should I pay off collections on my credit report?
If the debt is one that you do not owe, our service levels offer debt validation procedures that can help you get the collection removed from your credit profile.
Your Credit Rights
The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process as it's laws protect consumers by governing credit bureaus and the furnishers of credit information like creditors and financial institutions. Some of the key laws and rights granted in the FCRA include:
Credit bureaus are required to provide one free credit report every 12 months.
Credit bureaus are required to verify the accuracy of information listed on the report.
Creditors and financial institutions are required to only report complete and accurate consumer information.
Consumers can challenge incorrect and incomplete items listed on a credit report.
Consumers can seek damages from credit bureaus and furnishers violating the FCRA.
Consumers can limit who can access your credit reports.
Consumers can request if your credit report is being used against you financially.
The team at Restore Freedom will help you understand your credit profile and rights as a consumer during our free credit consultation.