Credit MD

Find your Financial Confidence and finally have financial freedom!!

Find your Financial Confidence and finally have financial freedom!!

Find your Financial Confidence and finally have financial freedom!!Find your Financial Confidence and finally have financial freedom!!Find your Financial Confidence and finally have financial freedom!!

Credit Sweeps FAQ


What Is A Credit Sweep?

A proprietary process for removing negative items from your credit report, opening up more possibilities for your financial future.

We do this extremely fast in comparison to traditional credit repair.  We perform the work with modern strategies to accommodate the ever changing industry.   Deletions start occurring within the first 45 days and works on all three credit bureaus.

For most clients, the best results happen within the first 60 to 90 days.


Are Credit Sweeps Effective?

ABSOLUTELY!  This is highly effective for a credit score after a collection, delinquency, bankruptcy, divorce, Identity theft, judgement, late payment, or foreclosure. We work on all of these.  79% of all credit reports contain errors!

This means that most credit reports can be improved instantly.  We work on correcting inaccurate and misleading personal data on your credit report.  Also inaccurate and unverifiable credit and collection information must be complete, accurate and verifiable otherwise you have the right to dispute the account.


How Much Does It Cost?

We have made it AFFORDABLE to everyone.  Give us a call to see which plan will work best for you given your goals and outcome.  We tailor a plan that fits your circumstances, however we can range anywhere from $1200 up to $3000 as a one-time fee.  There are NO reoccurring fees!!!


Should I Close My Old Credit Cards?

NO WAY! Old established seasoned accounts are built into your account history which is a huge chunk of your credit score.   If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open. If you close an account, you can expect an immediate drop in your credit score because it will decrease the average age of your credit history.  

Old accounts are your positive credit. Positive credit takes YEARS to build and if you ever needed to purchase it in the form of a Credit Line, it is very expensive. Your old accounts are important, do not close them.


What Is The Difference Between A Credit Sweep And Credit Repair?

The main difference is the time frame, fee schedule and process.  Our credit sweep is proprietary, and extremely expedited in comparison to traditional credit repair.

Deletions can start occurring within the first 45 to 90 days.  Traditional credit repair takes 6 to 14 months while incurring a monthly fee, and results are dragged out throughout that time frame.  Expect a couple deletions (if you are lucky).  Credit repair is a likely waste of 6 to 14 months of your time, money and energy. 


Are Credit Sweeps Legal?

A credit sweep is a form of credit repair which is 100% legal and it works because of the law.  The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report. If an item cannot be verified, it must be removed.  This is the basis of all credit repair.

The FCRA is a U.S. Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in the files of consumer reporting agencies.  It is intended to protect consumers from willful and or negligent inclusion of inaccurate information on their credit reports.


How Long Does It Take?

Every credit report is different.  If additional rounds are needed, it will be an additional 45 days for each round.  Note that you will continue seeing improvement throughout this entire process given you follow our guidance to maintain your results and empower a lifetime of good credit decisions.


Is Credit Inquiry Removal Included In The Credit Sweep?

No, this is a completely separate service as it requires a completely different method.  Do you need to remove pesky credit inquiries?  If you have too many, you will get DENIED more frequently which will hold you back from getting the things you want in your life.

We can remove certain pesky inquiries (up to 100 credit inquiries across all three credit bureaus).  We have a phenomenal bundle discount if you purchase inquiry removal with your credit sweep.



What Is Your Refund Policy?

You may cancel your service at any time. Upon cancellation, services will be stopped, and you will be liable for deletions removed within the last billing period, prior to cancellation. If we do not produce results within the first 45 to 60 days, then we will continue to work on your account until the desired progress is made.


Disclaimer:  If you have a new derogatory account, run up your credit card balances over 30%, miss a payment, and/or have multiple new credit inquiries, we can see this and it will cause a reduction in your credit score, ultimately undoing all of the progress we made.  Don’t do that to yourself!


What Is A Credit Sweep?  Do You Perform Them?

Yes, we have a phenomenal credit sweep program.   If you have negative item’s on your credit report, you should consider our Credit Sweep program.   Here’s how it works: 

  1. 100% legal as we use the power of the law to challenge negative items lowering your score.
  2. We perform the work with modern strategies to accommodate the ever changing industry.
  3. Deletions can start occurring within the first 45 days or less. For most clients, the best results happen within the first 90 days.
  4. This process is extremely expedited.

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