Frequently Asked Questions
Clear answers about disputes, timelines, and what’s realistic.
Do you guarantee a credit score increase?
No. Legit credit repair services cannot promise specific results. We focus on accuracy, documentation, and consistent follow-through.
How long does credit repair take?
Many updates happen in cycles (often 30–60+ days). Timelines vary by bureau/creditor, the type of item, and your file.
Is credit repair legal?
Yes — the Credit Repair Organizations Act (CROA) protects your right to dispute inaccurate, unverifiable, or unfair items on your credit report. We operate in full compliance with federal and state laws.
How much does credit repair cost?
We offer flexible pricing starting at $99.99/month. The initial consultation is always free and we provide a detailed assessment of your credit situation before any commitment.
Can you remove all negative items from my credit?
We can challenge and often remove inaccurate, unverifiable, or outdated negative items. However, we cannot remove accurate, verifiable information. Our success rate removing inaccurate items exceeds 98%.
Do I need to do anything during the process?
We handle most of the work, but you may need to provide documentation or sign authorization forms. We'll keep you updated throughout the process and provide monthly progress updates.
What if I'm not satisfied with the results?
The initial payment of $149.95 is non-refundable. After 30 days, $99.95/month will be charged. You can cancel your subscription at any time without penalties.
What kinds of items can be disputed?
Common categories include inaccurate late payments, duplicates, outdated items, incorrect balances, collections, and identity-related mistakes.
Do I need to talk to the credit bureaus myself?
We guide you through the process and help keep everything organized. The exact steps depend on your situation and what documentation you have.
What should I do while disputes are in progress?
Build positive history: pay on time, keep utilization reasonable, and avoid unnecessary new inquiries unless needed.
How do I start?
Call us for a quick consultation or submit the contact form. We’ll ask about your goal (auto/home/rental) and timeframe.
Still have questions?
Ask in chat or contact us for a quick consult.