Credit bureaus insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe them. A4FI LLC has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change, as new laws are passed and regulations are added, the underlying principle have remained virtually the same. Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.

Be Debt Free in Four Steps

STEP ONE
We examine your credit reports - You begin by forwarding copies of your credit reports to us from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly with you, not your credit repair firm. These updated reports are crucial for us to see which items were removed successfully. If you do not have copies of your credit reports that are not older than 2 months, you can get copies here http://www.annualcreditreport.com.

STEP TWO
You tell us which items to dispute - Someone from our firm will contact you within 24 hours of receiving your reports. We will go over your report in high detail while you let us know which items you would like us to dispute. They will also be accessible 24/7 online.

STEP THREE
A4FI LLC works your case - A4FI LLC begins to dispute your items by using its arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle...

STEP FOUR
Sit back and wait for results - The credit bureaus have 30 days to investigate your dispute. Within those 30 days they must provide proof of the discrepancies on your report or be forced to delete those negative items. They will send you an updated credit report and you will then send it to us to move your case forward. The cycle begins again, and we remove more negative items from your reports...

We are so certain we can help you that we GUARANTEE it!  Click here to read about our GUARANTEE

Frequently Asked Questions

-- How much does bad credit cost? --
The cost of credit repair is small compared to the cost of living with bad credit. Below are a few examples of the cost of bad credit. If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment. Example:

Car Loan
$23,000 Vehicle Financed for 5 Years:

Credit Status	Rate	Payment	Interest Paid
High Credit Score	3%	$413	$1,796
Slightly Damaged	9%	$477	$5,646
Damaged	18%	$584	$12,042

Home Loan
Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of the 30 year loan, if you are buying the home with damaged credit. Examples:

$120,000 home paid over 30 years:

Credit Status	Rate	Payment	Interest Paid
High Credit Score	7%	$798	$167,410
Slightly Damaged	9%	$966	$227,596
Damaged	13%	$1,327	$357,878

$190,000 home paid over 30 years:

Credit Status	Rate	Payment	Interest Paid
High Credit Score	7%	$1,264	$265,066
Slightly Damaged	9%	$1,529	$360,361
Damaged	13%	$2,120	$566,640

Credit Cards
Usually you will not be unable to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates and low limits. Save interest fees by repairing your credit TODAY.

-- How much does your service cost? --
Our fees are as follows:

• Individual: $89.00 Credit Report Analysis/Audit Fee;
    then $89.00 a month for the work done the previous month.
• Couples: $89.00 Credit Report Analysis/Audit Fee;
    then $89.00 a month for the work done the previous month.

-- How can bad credit be deleted? --
Negative credit listings are deleted from peoples' credit reports each and every day! A4FI LLC is hard at work every day challenging damaging and questionable credit entries on behalf of its clients. Utilizing proven and absolutely legal methods, A4FI LLC is a professional organization working for you and your credit.

-- What are the advantages of using A4FI LLC ? --
While there are many companies who brand themselves as credit repair organizations, most of them lack the breath of experience and expertise necessary to adequately represent your dispute efforts. Some of the specific advantages of using A4FI LLC are:

• We can dispute claims directly with creditors.
• We enforce your rights under the various federal and state credit laws.
• On your behalf we can demand a creditor address and settle debts.
• We research and keep current our knowledge of consumer laws and their changes, interpretations, and applicability of those laws.
• We govern ourselves according to the rules and principles of professional conduct.

-- How long have you been doing credit report repair? --
A4FI LLC has a staff with over 10 years of experience which has been repairing people's credit by challenging the credit reporting companies and the methods they use to blacken the credit of thousands of Americans. Using lawyers, accountants, underwriters, bankers and repair specialists, A4FI LLC demystifies the experience of credit repair. We employ innovative solutions and adhere to the laws and regulations that govern the credit reporting industry.

-- How do you restore bad credit? --
Once we've received your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down. Then we will draft letters to dispute these negative items on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so it is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another. A4FI LLC letters are expertly designed such that credit bureaus will accept the dispute and conduct an investigation. A disputed credit listing must be verified as accurate for it to remain on the credit report. If the credit listing contains an error, the credit bureau may simply correct the item. Quite often they are unable to verify because the creditor no longer possesses the necessary information or they do not put forth the effort to verify it. Furthermore, the investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency. At the conclusion of the credit bureau's investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals. Each time an investigation is initiated, the odds of receiving a particular deletion increases.

-- How long does it take? --
Everyone wants you to see results immediately. Although everyone's credit history is different, most people will see progress within the first 45 days of our service. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible. As a reference, the average person with 7-10 inaccurate, misleading or obsolete items on each credit report should be prepared for a 3-4 month commitment.

-- Do you guarantee results? --
By law, no company can guarantee that they can have items removed from your credit reports, but we stand behind our services and, if you feel you do not see results, we will evaluate your account and you will receive a portion of your money back if appropriate progress with your case has not been made. Please refer to our Terms of Use and Warranty for more details.

-- What if removed items reappear? --
This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. A4FI LLC will re-challenge the item with the full force of the prior removal in our favor.

-- Is this legal? --
Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. A4FI LLC uses every venue available to you under the law to help you assert these rights. Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use A4FI LLC to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance

-- What is a credit score? --
A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers. Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 300 to 900. The higher your score, the more "creditworthy" you are to lenders.

-- What is my credit score based on? --
Credit scoring is based on many factors that may include:

• Amount of available credit
• Payment history
• Recent requests for credit
• Amount of credit currently being used
• Length of credit history

Under the Equal Credit Opportunity Act, credit scoring may not use gender, marital status, national origin, race, or religion as factors.

-- Why do I need to pay my bills? --
When we delete a negative credit report listing, the actual debt remains. You still owe the same amount of money that you owed to begin with. If you don't pay the debt, the creditor or collection agency could always report the item again. So removing the listing without addressing the debt is only a temporary solution.