FAQ

💳 Frequently Asked Questions

1. What is credit repair?

Credit repair is the process of identifying and correcting errors or inaccurate information on your credit report. This can help improve your credit score over time.

2. How does your credit repair service work?

We start with a consultation to review your credit report. Then, we identify negative items that may be inaccurate, outdated, or unverifiable and send dispute letters to the credit bureaus and creditors on your behalf. We also guide you in rebuilding your credit during the process.

3. How long does credit repair take?

Credit repair can take anywhere from 30 to 120 days or more, depending on the number of items being disputed and how quickly the bureaus respond. Every case is different, and results may vary.

4. Can you remove accurate negative items from my report?

No. We follow the law and only dispute items that are inaccurate, outdated, or unverifiable. If an item is accurate and reported correctly, it cannot be legally removed.

5. What types of items can be disputed?

We can dispute a variety of items including:

  • Late payments
  • Charge-offs
  • Collections
  • Bankruptcies
  • Repossessions
  • Foreclosures
  • Child Support
  • Identity theft accounts
  • Incorrect personal information
  • & MORE

6. Do you offer a money-back guarantee?

ALL SALES ARE FINAL AFTER DISPUTE HAS BEEN SENT. Monthly service fees are billed after monthly work is completed. Clients may cancel at any time with no penalty. Refunds may be issued if no work has been performed or due to company error.

7. Will credit repair boost my credit score?

Removing negative, inaccurate items can help improve your credit score, but results vary by individual. We also help guide you in building positive credit alongside the dispute process.

8. Is credit repair legal?

Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report. We use consumer protection laws to help you enforce your rights.

9. Do I need to sign a contract?

Yes, we require a signed service agreement outlining your rights, our responsibilities, and your cancellation terms.

10. How much does your credit repair service cost?

We offer multiple pricing plans depending on your needs. Options may include:

  • Monthly subscription
  • One-time packages
    Contact us for a consultation to see which package suites your needs or visit our credit repair tab to see what we have to offer.

11. How do I get started?

Click the “Credit Repair Package” tab or schedule a free consultation with us. We’ll review your credit reports, discuss your goals, and recommend the best plan for your situation.

12. Will this affect my credit negatively?

No. Credit repair does not hurt your credit. In fact, removing inaccurate items and adding positive history can help improve your score over time.

We do not guarantee specific results, credit score increases, or removal of all negative items. We operate in full compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and all applicable state laws.