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  • You are REQUIRED to keep MONTHLY credit monitoring with IDENTITYIQ for us to see all 3 of your credit reports every 30-45 days, in order to update you with any changes, such as deletions/updates that have occurred. It is impossible for us to do our job without you having credit monitoring. So, If you can not afford to pay $21.99 monthly for credit monitoring, please do not sign up for our services 
  • Do not enroll if you have an active bankruptcy as we will not be able to help.  Dismissed/Discharged bankruptcies are OK.
  • Do not enroll if all you have is late payments and hard inquiries and no actual negative accounts. We do not accept clients who have 0 negative accounts.
  • Do not enroll if you are not able to complete your onboarding within 48 hours. It takes about 10 to 15 minutes to complete onboarding. If it’s going to take you longer than 48 hours, please do not sign up for our services.
  • You qualify if you have at least 2 negative accounts (collections, charge offs, medical bills etc) that equal at least $1000 or more. If you only have 1 collection you do not qualify.