FAQs

You are entitled to a 100% refund on all monthly payments if: – We do not remove any negatives worked on.- You have had 120 days (4 consecutive months) from the time that you retain our services.

The true answer is “it varies,” but we’re here to help you get your credit restored legally and ethically in the most efficient way. Most clients begin seeing results within 30–45 days, but the full process can take 3–6 months, depending on the number and type of items being disputed.

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

We May Recommend: • Secured cards • Credit-builder loans • Authorized user strategies • Optimal credit card utilization • On-time payment habits • Removing or correcting personal info

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

We assist with disputes on items such as: • Collections • Late payments • Charge-offs • Repossessions • Bankruptcies (verifiability-based) • Inquiries • Identity theft items • Incorrect personal information • Duplicated accounts

Yes! Everything we do, you can legally do for yourself. Most clients choose us because we save time, handle the paperwork, understand the laws, and know the most effective dispute strategies. We also offer a DIY option that you can review here!

You will receive updates every time we submit disputes and whenever the bureaus send responses. Most clients receive updates every 30–45 days.