Who we are? We are a financial management firm that offers credit restoration, so we understand debt and credit, we have a team that is certified in the laws, and the deletions are permanent. We even help you settle whatever accounts are left at the end of the program. What is a retainer fee? A retainer is what it will cost you to retain the service, this is a one-time fee and varies per credit report. What is a processing fee? A processing fee is an additional charge monthly charge for the life of the program which covers the expense of the processing, mailing, stamps, envelopes, certified mail for each letter and your assigned consultant. We are the only company in the industry that ONLY CHARGES $50.00 for your processing fees, others charge over $109.00.-$190.00. With Up Credit you only pay this trough the life of the program which is 6 rounds of 30-45 days each. How will I know my progress? You will be assigned a login and password which you would enter on our website and immediately have access to see everything going on and progress on your program. Your consultant will also be a phone call away. How long is the program? The program is designed in 6 different stages with each being 45 days long, typically our clients are ready to go within 120 days.