Frequently Asked Questions


After thousands of consultations we are certain by answering these questions you will be excited to be moving forward with Top Flight Assistance.

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What is credit repair?

Credit repair is the process of cleaning up inaccuracies on your credit report, removing wrong or inaccurate information, protect your identity and become more informed on your credit issues. If you repair your credit file, it is likely your credit score will improve, and thereby will obtain better interest rates and save money.

Why is there the need of repairing credit?

Because your credit record will influence your qualification for credit in the future, and could possibly affect rates for your current credit lines. Accordingly, if your credit report is incorrect, the reparation of the credit file will help improve your chances. A good credit score helps you obtain low interest rates and long term loans, like home loans or car loans. Lenders may charge high interest rates or impose undesirable repayment plans for you. Given the stakes and the consequences involved, it is clearly to your advantage to work toward recovering from a bad credit rating.

How long does the service take?

We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 6 to 12 months. This is just the usual time frame people choose to stay in our program. You can expect to receive your first round of results within 45 to 60 days once you've fulfilled your Audit fee. Since we do not charge deletion fees until we achieve results, we work to achieve those results as fast as possible.

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. The Credit Repair Agents will re-challenge the item with the full force of the prior removal in our favor.

Can I repair my own credit?

You have the ability to dispute any information on your credit report you deem as inaccurate, unfounded, or incorrect.  Many of our customers have tried doing this themselves only to find out that the process takes too long, is confusing, and full of challenges they deem too stressful to deal with themselves.  We take the burden of disputing off your hands and have the ability to speed up the process through experience as well as techniques that are unique to us.

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. The Credit Repair Agents uses every venue available to you under the law to help you assert these rights.

What is credit?

“Credit” is the privilege to use the financial means of another party. When you apply to any financial institution for a loan, mortgage or credit card, you need to provide evidence of the ability to repay, and a history of repaying past credit. You can get better terms with lower interest rates if you have good credit ratings, but with a poor credit rating, you may not get credit at any price. Building a good credit record is important to achieve many desirable goals, such as homeownership, vehicle financing, and various forms of wealth building.

What is included in the free consultation?

Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined.  This is also a great opportunity to ask questions.  If you choose not to use our services after your free consultation you are not liable for any charges.

Why do I have to prove my identity?

The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs.

  • Driver’s License

  • Social Security number

  • Cancelled Check

  • Utility Bill

  • Pay Stub

  • W2 Form

  • Lease Agreement

  • Bank Statement

  • Any Utility Bill

Is my information secure?

Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database. Every Fresh Start employee is trained to properly verify customer information and never to disclose this information to unauthorized parties. 

Who regulates the credit bureaus?

The "FTC" Federal Trades Commission was established to protect the consumer from fraudulent deceptive and unfair practices in the market place. The FTC can sue any third party creditor and financial organization practicing fraudulent activities. The FTC enforces the FCRA with the credit bureaus to make sure they are doing what they are supposed to be doing.