How long does credit repair take?
Most clients see movement within 30 to 90 days of each dispute round. Files with collections, charge-offs or identity theft can take 3 to 10 months. It depends on your report and how the bureaus respond.
Can you guarantee my score will go up?
No company can legally promise a specific score, and any that do are a red flag. We promise thorough, compliant dispute work on every inaccurate, unverifiable or outdated item. If you see no measurable progress after 120 days, our guarantee entitles you to a full refund under the terms of your agreement.
What does it cost?
It depends on the plan that fits your goal. We go over exact pricing on your free review so there are no surprises, and you're never pressured to sign up.
Will this hurt my credit score?
No. Disputing inaccurate information is your right under the Fair Credit Reporting Act and doesn't lower your score on its own.
Can I cancel?
Yes. Plans are month-to-month with no long-term contract, and you have a 3-day right to cancel after signing, as required by the Credit Repair Organizations Act.
Couldn't I do this myself?
You can, for free, directly with the bureaus. What we add is time and follow-through: the right letters, in the right order, with every response tracked and followed up.