Everything you need to know about credit repair, our process, and how we can help you achieve financial freedom.
Getting started is simple. Book your free consultation online, and one of our credit specialists will review your credit reports from all three bureaus — Equifax, Experian, and TransUnion. We'll identify every negative item and build a personalized repair plan tailored to your goals.
Yes, absolutely. Your initial credit consultation and analysis is completely free with no obligation. We believe you should understand exactly what we can do for you before committing to anything.
Most clients begin seeing meaningful improvements within 30–90 days of starting the process. A full credit repair program typically takes 3–12 months depending on the number and severity of negative items on your report. We'll give you a realistic timeline during your free consultation.
No legitimate credit repair company can guarantee specific results, and we won't make promises we can't keep. What we can guarantee is that we'll work diligently on your behalf, use every legal tool available, and be completely transparent throughout the process. Our track record speaks for itself — an average score increase of 187 points across our clients.
We can dispute any inaccurate, unverifiable, or outdated negative items including: late payments, collections, charge-offs, repossessions, foreclosures, bankruptcies, judgments, tax liens, medical bills, student loan delinquencies, and identity theft entries. We cannot remove accurate, verifiable negative information.
Yes. We file disputes with Equifax, Experian, and TransUnion simultaneously. We also contact creditors directly when needed to negotiate pay-for-delete agreements or request goodwill deletions.
You'll have access to a secure client portal where you can log in 24/7 to see real-time updates on your disputes, score changes, and overall progress. We also send monthly progress reports and are always available to answer questions.
A pay-for-delete agreement is a negotiation where we ask a creditor to remove a negative item from your credit report in exchange for payment of the debt. While not all creditors agree to this, it can be an effective strategy for certain types of accounts.
Our plans start at $99/month for basic dispute services. We offer several tiers depending on your needs, from basic dispute resolution to our all-inclusive VIP Concierge package. We'll recommend the right plan during your free consultation based on your specific situation.
Under the Credit Repair Organizations Act (CROA), we cannot charge fees before services are performed. You won't pay anything until we've completed work on your behalf. We believe in earning your trust before asking for payment.
We stand behind our work. If we don't remove at least one negative item from your credit report within the first 90 days, we'll refund your first month's payment. Please review our terms and conditions for full details.
Yes. There are no long-term contracts. You can cancel your service at any time with 30 days' notice. We believe in earning your continued business through results, not locking you into a contract.
Absolutely. Credit repair is a legitimate, legal service governed by the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). You have the legal right to dispute inaccurate information on your credit report, and we exercise those rights on your behalf.
Yes, you have the right to dispute items on your own credit report for free. However, the process is time-consuming, requires knowledge of consumer protection laws, and results are often better when handled by experienced professionals who know how to navigate the bureaus and creditors effectively.
Credit counseling agencies primarily help with debt management and budgeting. We specialize in disputing inaccurate negative items on your credit report to improve your score. These are complementary but different services.