Frequently Asked Questions

  • Credit repair is the process of reviewing your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) and disputing any inaccurate, outdated, or unverifiable negative items. The goal is to correct errors so your credit report accurately reflects your financial history.

  • Your data is stored in a secure, encrypted client portal. All communication and document sharing take place inside the portal to protect your personal information.

  • We offer one plan — $79 per month. You are not charged until 5 days after sign-up, giving our team time to create your action plan. Billing recurs monthly based on your sign-up date, and you may cancel anytime

  • Yes. There are no contracts or cancellation fees. You can cancel anytime through your client dashboard.

  • No. By law and in reality, results cannot be guaranteed. The outcome depends on the accuracy of the information on your credit reports, how creditors and credit bureaus respond to disputes, and your own financial habits going forward

  • The timeline varies. Some clients may see changes within 30–60 days, while others may take 6 months or more depending on the number and complexity of disputes. Credit bureaus generally have 30–45 days to investigate each dispute.

  • We can dispute inaccurate, outdated, or unverifiable negative items, such as:

    • Late payments

    • Charge-offs

    • Collections

    • Bankruptcies (after 10 years)

    • Foreclosures (after 7 years)

    • Repossessions

    • Incorrect personal information

    • Duplicate accounts

  • No. Disputing inaccurate information will not harm your credit score. In fact, if errors are removed, your score could improve. However, if the information is verified as accurate, it will remain on your report.

  • Yes. Credit repair is legal in all 50 states under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA), as long as it’s done in compliance with these laws

Credit Repair

Credit repair isn’t just about fixing bad credit → it’s about optimizing your credit profile so you pay less, get approved faster, and protect your financial future.