Frequently Asked Questions

Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports. Our experts work with credit bureaus and creditors to remove negative items that are hurting your credit score, helping you achieve better financial opportunities.

The timeline varies depending on your unique situation. Most clients see results within 3-6 months, with significant improvements occurring around the 6-12 month mark. Credit bureaus have 30-45 days to investigate disputes, so the process requires patience, but we work diligently to expedite your results.

Yes! Credit repair is 100% legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit reports. We operate in full compliance with all federal and state regulations, including the Credit Repair Organizations Act (CROA).

Yes, you can dispute items yourself. However, most people find the process time-consuming, complex, and frustrating. Our experts know the laws, have established relationships with bureaus and creditors, and use proven strategies to maximize your results. We handle all the paperwork and follow-up, saving you hundreds of hours.

We can challenge any inaccurate, unverifiable, or outdated information including late payments, collections, charge-offs, bankruptcies, repossessions, foreclosures, judgments, tax liens, and hard inquiries. If the information is accurate and verifiable, it generally cannot be removed before its expiration date (typically 7 years for most items, 10 years for bankruptcy).

Our pricing is transparent and affordable. We offer three packages: Starter ($99/month), Professional ($149/month), and Premium ($199/month). Each package includes different levels of service. There are no hidden fees or setup charges. You can cancel anytime without penalty.

Yes! We stand behind our services with a satisfaction guarantee. If we're unable to achieve any positive results for you within the first 90 days, we'll provide a full refund. Your satisfaction is our priority.

All packages include credit report analysis, dispute management, progress tracking, and credit education. Higher tiers offer more challenges per month, dedicated specialists, priority support, and additional features like identity theft protection and score tracking. Visit our Services page for detailed comparisons.

Absolutely! There are no long-term contracts or cancellation fees. You can cancel your service at any time by contacting us. We believe in earning your business every month through results and excellent service.