Please visit our pricings page for details about our plans and pricing. We offer individual and couples plans. We offer some of the lowest prices in the industry. The cost of not fixing your credit will cost more than fixing it!

You will be given an on-line client portal where you can watch progress. This is where the majority of communication will take place. You will get monthly progress reports and credit analysis tailored to your progress!

Sure! You can also give yourself a root canal as well, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices, act that you can reference for information about challenging information on your credit reports. Proximity to Prosperity Solutions is here if you need help from professionals who work with the bureaus and these laws every day!

Relying on others to make mistakes is not a viable strategy. Credit bureaus and creditors regularly process numerous disputes each month and are equipped to manage a high volume of challenges. Therefore, when we dispute an item on your credit, we anticipate a response. Our approach involves crafting customized arguments for each challenge, contributing to our effectiveness. This is one of the reasons why various financial-related websites, blogs, and authorities rank us as the top credit repair agency.

We don’t rely solely on disputing tactics! Disputing by itself is outdated and less effective compared to modern credit enhancement techniques. Unlike many credit repair firms that still use generic dispute templates, which are not very successful in removing negative items from a credit report, we employ a more advanced strategy. We contest the reportability of an account by challenging the adherence to METRO2 compliance standards. This approach proves effective not only for accounts with inaccurate information but also for those where the information is accurate but lacks proper METRO2 compliance.

If credit is included in your individualized credit building plan, then yes. If it is not, we advise against it.

Laws like the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Proximity to Prosperity Solutions can assists clients in addressing credit damage by challenging any inaccuracies, untimely entries, misleading details, biases, incompleteness, or unverifiable negative items present in their credit reports. Additionally, we contest the reportability of accounts by asserting that the necessary METRO2 compliance standards are not being met. This approach proves effective not just for accounts with inaccurate information but also for those where the provided information is accurate but lacks proper METRO2 compliance. The success of this strategy contributes to Proximity to Prosperity Solutions being recognized as the top credit repair company.

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

A negative listing that has been deleted may, on rare occasions, be verified by a creditor after the deletion process is finalized. In such cases, the Fair Credit Reporting Act requires the credit bureaus to notify you before re-reporting an item that had previously been deleted. While it is uncommon for an item to be removed and replaced, it remains a possibility.

If they are revolving or installment accounts, paying your bills every month will build your credit history. We will also suggest resources that will aid in building your credit.

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default. Learn more about how to remove charge-offs from your credit report.

Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies.

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Learn everything you need to know about how judgments affect credit.

Proximity to Prosperity Solutions can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed.

There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early. Learn more about how to remove repossessions from your credit report.

A Proximity to Prosperity Solutions specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request or a pay-for-deletion. Be aware though that you need any promise in writing. There is no law stating that once you pay the debt is has to be removed from the credit report.