Frequently Asked Questions

Credit repair is the process of challenging inaccurate, unverifiable, or outdated information on your credit reports. Under the Fair Credit Reporting Act, you have the right to dispute any information you believe is wrong.

Yes. The Fair Credit Reporting Act and Fair Debt Collection Practices Act give consumers the right to dispute inaccurate items. We help you exercise those rights — we never promise removal of accurate, current negative information.

Most clients see their first improvements within 3–4 months. Bureaus typically have 30 days to respond to a dispute, and full results often take 6–12 months depending on the number of items.

Your initial credit review is always free. Paid plans start at $69/month with no upfront fees and no long-term contract. Cancel anytime.

No reputable company can guarantee a specific score because scores depend on many factors. We focus on removing inaccurate negatives, which is what we can control. Results vary by client.

Late payments, collections, charge-offs, bankruptcies past their reporting window, duplicate accounts, incorrect balances, unauthorized hard inquiries, mixed files, and identity errors.

We use 256-bit SSL encryption, bank-level data security, and never share or sell your information. You can also revoke access to your reports at any time.

Absolutely. You're on a month-to-month plan with no contract. Cancel in one click from your client portal or by calling us. We offer a 30-day money-back guarantee on your first month.