FAQ

Yes. From start to finish.

To leave this program with less negative accounts, no outstanding past due debts and higher scores. This includes an emphasis on credit education.

1) WORK DIRECTLY WITH LORIN: You will not deal with multiple reps. Lorin will be as versed and committed to your credit as you are.

2) ANALYSIS. Before the program begins, every customer is issued a video analysis. By virtue of his 20 years experience, Lorin can predict results better than his competition.

3) TRANSPARENCY. Lorin lacks the ability to “sugar coat”. In other words, Lorin will candidly explain realistic expectations. From the start, you will know if you’re a good candidate and what to expect from his program. Delivering on a promise is Lorin’s top priority.

No. Lorin can’t improve your credit without your help. Lorin refers to it as a “team effort”. Due to COVID, customer participation is more important than ever.

No. The philosophy on “how to” repair credit varies through the industry. This program has an emphasis on resolving debt & long term success.

No. However, most are or can be. Those who do not have the ability to settle “legitimate” past due debts are sometimes not a good candidate. Lorin will analyze your credit before you start the program. If you’re not a good candidate now, Lorin will tell you how and when you will be.
Everyone’s situation is different. Typically, Lorin looks for customers who have the desire and ability to settle past due debt, realistic expectations and have the capacity to help him help you.
The “3 Step Process” is complete in about a month. Credit monitoring will follow for customers who want it.
It breaks down to about $59/month or $98/month for couples. Discounts are available to military, teachers and police.
Lorin doesn’t collect a payment for at least 6 months.
Yes. In fact, the majority of customers join for this reason.
No. Lorin can’t do anything for you that you can’t do for yourself. However, understanding credit and dealing with the credit bureaus can be overwhelming, confusing and time consuming. Lorin is here to simplify that process.
Yes. Visit our reviews page and you can see exactly how hundreds of our customers felt about their experience. Or check out our Google reviews.
Lorin uses a 3 Step Process. For a more detailed description please watch our video located on our how it works page.
It depends on the state you live in. Most states he can.

POLICY #1) You can cancel anytime, for any reason.
POLICY #2) At any point in the service you’re eligible for a refund if Lorin can’t prove results.

  • The only established credit repair company where you work directly with the owner (Lorin).
  • Over 17 years in business.
  • The only credit repair company ever to be “Gephardt Approved”.
  • A+ rating with BBB.
  • Lorin is a licensed mortgage loan officer.

“Yes. The attorney who represents ACR concentrates his legal practice in the ‘consumer rights’ area and welcomes our customers who need to escalate certain issues that are considered outside the traditional scope of our services. Even if this attorney can’t help you, he will try to help you locate appropriate counsel in your area.”