FAQ
Straight answers to the usual questions.
Including the ones that are awkward for a credit repair business to answer honestly.
No, and neither can anyone else. Federal law specifically prohibits credit repair organizations from guaranteeing results. What we can do is review your file, dispute what appears inaccurate, and show you what to change. Outcomes depend on what is actually in your report.
Yes. Everything on the dispute side is something you have the legal right to do yourself at no cost. We say so openly because the law requires it and because it is true.
People hire us for time, structure and follow-through. Our education track exists specifically for people who would rather learn to run the process themselves.
Credit bureaus generally have 30 days to investigate a dispute, though that window can extend in certain circumstances. Most files need more than one cycle to work through. Anyone quoting a guaranteed timeline is guessing.
No. Federal law prohibits credit repair organizations from collecting payment before services are fully performed, and we follow that rule.
Filing a dispute does not itself lower your score. A dispute is not a hard inquiry. If an entry is corrected or removed the effect is usually neutral to positive, though removing an old account can occasionally shorten your average account age.
No. Accurate, current, verifiable information cannot be removed by anyone. If a payment was genuinely late and is being reported correctly, it stays on the report until it ages off. Any company claiming otherwise is describing something that is not possible.
It depends on the entry type. Most negative items have a defined reporting period under federal law, and bankruptcies have their own longer window. Part of our review is checking whether anything has outstayed its limit.
Copies of your reports from all three bureaus, and a conversation about your goals. We will walk you through pulling the reports at no cost during the consultation — you should not have to buy a subscription to see your own file.
We serve clients across the United States. Some states impose additional registration or bonding requirements on credit repair organizations, so confirm your state with us during the consultation.
No. We are a credit consulting and education business. We do not provide legal advice or represent clients in legal proceedings. If your situation calls for a lawyer, we will say so.
On the done-for-you track we review your reports and handle the dispute correspondence. On the education track we teach you to do it yourself and keep the skill afterwards. Some clients start with education and move over later, or the reverse.
Yes, in the sense that we review how they are being reported and dispute anything inaccurate, incomplete or unverifiable. We cannot make an accurate collection disappear, but we can check that it is reported correctly and help you plan what comes next.
Pricing depends on which track you choose and the state of your file, so we discuss it during the free consultation rather than publishing a number that will not fit your situation. You will have the full fee structure in writing before you agree to anything.
We talk through your situation, look at what is on your reports, and give you an honest read on whether we can help. If we do not think we can add value, we will tell you.
Start with a look at your actual file.
A free consultation, no obligation, and an honest read on whether we can help. If your report is clean and the issue is something else, we'll tell you that.