How does credit repair actually work? +
We use the Fair Credit Reporting Act (FCRA) to legally challenge negative items on your report. Bureaus must investigate every dispute within 30 days. If they can't verify the item is 100% accurate, it must be removed. We know the exact language, timing, and escalation tactics that get results.
What kind of items can you remove? +
Collections, late payments, charge-offs, hard inquiries (like those 12+ Robinhood inquiries we removed for one client), repossessions, judgments, bankruptcies, medical debt, and student loan defaults. If it's on your report and questionable, we challenge it.
How long does it take to see results? +
Clients typically see score movement and first deletions within 30–45 days. One of our clients jumped 122 points, another went from no credit score to a 743. Full cleanup typically takes 3–6 months depending on your situation.
What is your refund policy? +
If we don't get you results within 90 days, we will refund your money back. Simple as that. We put our money where our mouth is — if we're not producing, you're not paying.
Is this legal? +
100%. Everything we do is based on your legal rights under the FCRA and FDCPA. You have the right to dispute inaccurate, unverifiable, or outdated information on your credit report — we just do it far more effectively than most people can on their own.
Can you help with business funding too? +
Yes — funding is a core part of what we do. We help individuals and businesses gain access to $10k–$250k+ in funding. Once your credit profile is clean and structured the right way, we position you to access the capital that was always out of reach before.
Do I need to pay upfront? +
The Expedited and Couples plans are one-time upfront payments — you pay once and we get to work immediately. The Monthly plan has no upfront cost and you pay month to month with no long-term commitment. All plans include our 90-day refund policy — if we don't get you results, you get your money back.
What happens after I pay? +
Immediately after payment you'll be redirected to our intake form where you fill out your information. Within 24 hours we pull your full credit reports from all 3 bureaus, analyze every negative item, and begin building your custom dispute strategy. You'll hear from us within 1 business day of signing up.
Do I need good credit to start? +
Not at all — the worse your credit, the more we can do for you. We've worked with clients who had no credit score at all and got them to 743. We've removed bankruptcies, multiple collections, and dozens of hard inquiries. Whatever your situation, we've likely seen worse and fixed it.
Will this affect my credit score negatively? +
No. Disputing items on your credit report is your legal right and does not hurt your score. In fact, as negative items are removed your score goes up. We never do anything that would negatively impact your credit — every action we take is designed to improve your profile.
What if I have no credit score at all? +
We handle that too. One of our clients had no credit score at all and we got him to a 743 with $5k credit limit offers. It's never too late — and never too early — to start building the right way.
