How does credit repair actually work? +
We use your rights under the Fair Credit Reporting Act (FCRA) to challenge negative items on your reports. Bureaus generally must investigate a dispute within 30 days, and if the information can't be verified as accurate it has to be corrected or removed. We handle the letters, timing, and follow-up for you.
What can be disputed? +
Collections, late payments, charge-offs, hard inquiries (like the 12+ inquiries we had removed for one client), repossessions, judgments, bankruptcies, medical debt, and student loans can all be disputed when the information is inaccurate, incomplete, or unverifiable. Accurate, verifiable items can legally stay on your report, and no one can promise that a specific item will be removed.
How long does it take to see results? +
Timelines vary by case. Bureaus generally have 30 days to respond to a dispute, and many cases take several rounds over a few months. Some clients have seen faster movement — one client's score rose 122 points and another went from no score to 743 — but individual results vary and are not guaranteed.
What happens on the free consultation call? +
It's a free call of about 30 minutes. We go over your situation and goals, explain how the process works and how the two plans differ, and answer your questions. There's no obligation to start.
What is your refund policy? +
We offer a 90-day refund policy: if we don't get you results within 90 days, you may request a refund. Full terms are in your service agreement.
Can I cancel after I sign up? +
Federal law gives you the right to cancel a credit repair contract, for any reason and without penalty, within 3 business days of signing it. Some states give you longer. Your written service agreement spells out how to cancel, along with our 90-day refund policy, so please read it before you sign.
Is this legal? +
Yes. You have the right to dispute inaccurate, unverifiable, or outdated information on your credit report, and you can do it yourself at no charge. Credit repair companies are regulated by the federal Credit Repair Organizations Act (CROA). We do the work for you with custom letters and follow-up.
Can't I just do this myself? +
You can. You have the legal right to dispute inaccurate information on your own reports at no charge. What we add is the work: building each dispute for the specific item, tracking every response and deadline, escalating where the law allows, and keeping you updated so you don't have to.
Can you help with business funding too? +
Yes — funding is a core part of what we do. We help individuals and businesses prepare and structure their profiles to pursue $50K–$250K+ in funding. Approvals and amounts are decided by lenders and depend on your credit, income, and business profile.
Do I need to pay upfront? +
The Expedited plan is a one-time payment, and the Monthly plan is $159/month with no long-term commitment. Before checkout you'll answer a short set of questions about your situation. Both plans include our 90-day refund policy (terms in your service agreement).
What happens after I pay? +
After you complete the short questionnaire and checkout, you'll be taken to your onboarding form, where you enter the details we need to pull your reports. From there we analyze all 3 bureaus and start building your custom dispute strategy. You'll hear from us within 1 business day.
Do I need good credit to start? +
No. We work with clients at every level, including people with no credit history at all. Whatever your situation, we'll tell you honestly what we can and can't do.
Will this affect my credit score negatively? +
Disputing items is your legal right and doesn't by itself lower your score. Your score can change for many reasons, so we can't promise any specific number.
What if I have no credit score at all? +
We can help with that too. One client went from no score to a 743 and received offers for $5k credit limits. Results vary, and building credit takes time.
