Frequently
Asked Questions

We help clients improve their credit by identifying inaccurate, unverifiable, or outdated items on their credit reports and challenging them with the credit bureaus and data furnishers on your behalf - under the Fair Credit Reporting Act (FCRA).

We review your credit reports, create a personalized plan, and send disputes to the credit bureaus and creditors. They must investigate the items and verify them. If they can't verify, the item must be corrected or removed.

No. Only inaccurate, unverifiable items may be disputed or removed. Accurate and verifiable information that belongs to you cannot be legally removed.

Most clients see initial results in 30-60 days. Full results typically take 3-6 months, depending on your credit file and the responsiveness of the bureaus and creditors.

No. We securely pull your credit reports for you from all three major bureaus as part of the process.

The FCRA is a federal law that regulates how consumer information is collected, reported, and used. It gives you the right to dispute inaccurate or unverifiable information on your credit reports.

Results vary by individual. While many clients see score improvements, we cannot guarantee a specific score increase. Your results depend on your unique credit situation and financial habits.

Yes. Credit repair is 100% legal when done the right way. We follow all federals laws, including the FCRA, and never advise clients to provide false information.

Items that may be inaccurate, unverifiable, outdated, or incomplete - such as late payments, collections, charge-offs, accounts not opened by you, public records, inquiries, and more.

You'll receive regular progress updates and access to the client portal to track disputes, responses from bureaus, and changes to your credit reports.

No. We don't offer guarantees because results depend on many factors outside our control. However, we stand behind our process and work diligently for every client.

It's easy. Call us or schedule a free consultation online, and we'll review your credit and create a custom plan designed to help you reach your goals.