✔ Benefit from better rates from lenders

✔ Get access to funding programs previously unavailable

✔ Majority of files are completely fixed within 30-90 business days (40-120 calendar days)

✔ Inaccurate accounts are challenged until you are satisfied

✔ Any closed or open account with late payments

✔ Any account that has been charged off as bad debt

✔ Any account in collections

✔ Any public record(s) such as bankruptcies, liens or judgements

✔ Any car repossessions

✔ Any student loans with late payments

✔ Any account that has been terminated by the creditor (this will way "terminated" in the notes of the account)

✔ Any account that is reporting to your credit report as a result of Identity Theft

✔ Any inquiries that are unauthorized (Identify Theft, or Not authorized by you)