Find answers to common questions about our credit repair services.
Credit repair is the process of identifying and disputing inaccurate, incomplete, or unverifiable information on your credit reports. We work with the three major credit bureaus (Equifax, Experian, and TransUnion) to challenge negative items that may be hurting your credit score.
The timeline varies based on the complexity of your credit file and the number of negative items. Typically:
We work continuously on your behalf and provide monthly updates on progress.
No, we cannot guarantee specific results. Under the Credit Repair Organizations Act (CROA), it is illegal for credit repair companies to guarantee credit score improvements. Results vary based on your individual circumstances, the accuracy of information provided, and responses from credit bureaus and creditors. However, we have a proven track record of helping clients improve their credit scores through our systematic approach.
To begin, we'll need:
We'll guide you through the process and help you obtain your credit reports if needed.
We offer four flexible pricing models:
View our full pricing page for detailed information on each model.
No hidden fees. We believe in complete transparency. All fees are clearly disclosed upfront before you commit to any service. The only additional costs are optional add-on services (like extra dispute filings beyond your plan limits), which you'll be informed about before any charges are made.
Yes, you can cancel at any time. For monthly subscriptions, you can cancel without penalty. If you cancel within the first 5 days of service and no work has been performed, you'll receive a full refund. After services have been rendered, fees are non-refundable as per our terms of service.
Our process follows three main steps:
Yes! All clients receive 24/7 access to our secure online portal where you can view all disputes submitted, track their status, see updates in real-time, and communicate with our team. You'll also receive monthly progress reports via email.
No. Every dispute letter is custom-written based on your specific situation and the unique details of each negative item. We don't use templates because each credit report and circumstance is different. Our experienced consultants craft personalized letters that maximize your chances of success.
Yes, we operate in full compliance with the Credit Repair Organizations Act (CROA). This means we provide you with all required disclosures, never make false promises, respect your right to cancel, and maintain complete transparency in all our practices. Your rights as a consumer are our top priority.
Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit reports. We help you exercise these legal rights by challenging items that are inaccurate, incomplete, or cannot be verified. We never ask you to do anything illegal or unethical.
No, legitimate credit repair will not hurt your credit score. We only dispute items that are inaccurate, incomplete, or unverifiable. The dispute process itself does not negatively impact your score. In fact, when negative items are successfully removed, your score typically improves. We work within the legal framework established by the FCRA.
Our monthly subscription model is appropriate for individuals with fewer negative items or who prefer to spread costs over time. It's best suited to clients who value lower upfront financial commitment and are comfortable with a stepwise approach to credit repair.