Starlight Credit Repair LLC

Frequently Asked Questions

Are the results guaranteed?

Results are not guaranteed! No credit company can guarantee results or a specific outcome. It is a direct violation of the Credit Repair Organizations Act. We can share the awesome results our customers have received in our program and allow you to make a decision for yourself.

Will I be responsible for mailing my own letters?​

No, we draft and send all dispute letters on the client’s behalf. You are only responsible for getting the results to us in a timely matter to ensure a timely response.

How long will it take to repair my credit?

The credit repair process varies in time. Each person and credit report is different. Only the bureaus can update your credit report. Sometimes they will remove accounts during the first-round and you can be done! Other times, they may be really difficult, and it can take multiple rounds of back and forth.

How do I receive updates during the process?

After we process your reports, the bureaus will have 30-45 days to responds to our dispute. During this time, we do not have any updates for you. The bureaus will send all results to you directly via mail so you will see results before we do! We also recommend that you subscribe to a credit monitoring system like Experian.com, Credit Karma or Identity IQ. As changes are being made, these sites will report to you in real time. Again, we do not know results until you send your results to us or until its time for our dispute team to generate a new report. (Identity IQ provides us with monthly updates)

Is Credit Training Legal?

Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Training and Education worth my time and money?

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

​What can I expect when I enroll in Credit Education?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

What is your 100% Guaranteed ?

You are entitled to a 100% refund of your payment if

- We do not remove any negatives worked on.

- You have had 120 days (4 consecutive months) from the time that you retain our services.

- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.

- You have had no new collections or missed payments during the time frame we are assisting you.

-You have maintained credit monitoring services at all times during the time frame we are assisting you.

- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt. You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.

 -Clients should receive updated credit reports every 35-45 days. It is the client's responsibility to make us aware if updated reports have not been received.


How long will it take to raise my score?

Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown.

Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans and more.



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