Before enrolling, it's important to determine if credit repair is necessary.

Can you answer a few questions about your credit history to help us assess your situation?

Have you undergone any financial setbacks such as repossession, bankruptcy, judgment, child support, tax lien, short sale, or foreclosure that may have impacted your credit profile?

Have you had any accounts that were charged-off or sent to collections?

Have any of your accounts been sent to collections, including medical collections?

Have you made at least three late payments on any of your credit accounts?

Have you or anyone else on your behalf ever filed a false identity theft report?