Frequently Asked Questions


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Check out this short video on our process!


Is credit repair legal?

Yes. It is your right under the Fair Credit Reporting Act (FCRA) to dispute any inaccurate and not verifiable items on your credit report.

How long does it take before I see results?

While we don't guarantee a particular score increase because it's very subjective to the client. 94% of our clients see a boost of 10 points in the first 35 days. Over the course of 180 days, our clients  see a 50-100 point increase. However, it would be against the law and our moral compass for us to make a guarantee that everyone will see the exact same results.

What areas do you service?

We can service clients nation wide.

Is there a warranty?

Even though nothing in life is guaranteed, we believe in our process and work hard to help all of our clients be successful.  We can guarantee a 100% refund if at least not one disputed item is removed from at least one of the credit bureaus after 90 days. You must have more than 4 negative items on one or more credit reports and have not used another credit repair service within 12 months of obtaining our services.

Can we meet in person?

In our line of business almost everything can be done online even face time. However if you're in the local Chicago area, we'll be happy to meet you. There will be a consultation fee applied before meeting.

Do you charge an upfront fee?

At the time of sign up there is a $99.95 fee for account set up, document processing  and enrollment.  1 month later is when you'll be billed/charged for the $85/month service fee.  


Is credit repair worth it?

Many people tend to think credit repair is irrelevant until they need it. But it is always better to start improving your credit now than waiting until you need to apply for a loan. Having a subpar score will limit you from competitive interest rates on loans, which can add up to thousands of dollars over the course of the loan. When you compare the price of credit repair to a higher interest rate on a 30-year mortgage loan, it is easy to understand why credit repair is worth it.

What items can you help me get removed?

We have a very strong track record helping clients with removals of bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.

How long is this process?

Every client case is unique and we treat the process as such. We've had clients see the results they desired in as little as 90 days and some reached their goals within 12 months. Its a process that we all must have patience in. Remember the reward is usually much farther then struggle.

What payment methods are excepted?

All payments are automatically billed through our payment processor via credit/debit card. 

Is my information secure?

Yes, one of our main priorities is to keep your information secure as possible. Which is why we use a bank grade security encrypted system to store your information while in the credit repair program. We'll never share your personal information with anyone else other than what is outline in our client agreement to the credit bureaus.

Why S&B Associates LLC?

Because we're not a big corporation looking to add to our book of business just to consider you a number or price tag. We're a boutique firm  started by a husband and wife duo who were once in your shoes, looking to help individuals in obtaining their credit goals and change their lives. We have an extensive back ground in the financial/insurance & credit industry from commercial leasing/financing to personal home, auto, commercial and insurance. So we know just how important having a great credit score/history is. We've used our proven legal methods on many clients just like you. We work hard with our team to provide the best service possible to help get you the results desired. We are your partners!