Frequently Asked Questions

Yes. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any item on your credit report. We work entirely within the laws Congress put in place to protect consumers — including the FCRA, the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA).

We challenge the negative information affecting your credit by sending customized dispute letters on your behalf to the bureaus and creditors. At the same time we coach you on building positive credit — keeping utilization low, adding tradelines, and timing applications — so your score goes up while inaccurate items come off.

Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, hard inquiries, late payments, old addresses, judgments, tax liens, student loans — and more. We focus on items that are inaccurate, unverifiable, outdated, or otherwise dispute-eligible under federal law.

Monitoring is how we and you track progress in real time. It also gives us access to all three bureaus — Equifax, Experian, and TransUnion — because each bureau can report different items. Free apps like Credit Karma only show one or two bureaus and miss removals we need to verify.

Most clients start seeing results within 30 to 45 days of their first dispute round. By law we cannot promise a specific timeframe or score increase, but we recommend planning for at least 6 months in the program. Heavier credit profiles (multiple collections, bankruptcies, judgments) take longer.

Yes. We offer full refunds for any account that was not removed at the time of cancellation — that is the entire point of our 100% Money Back Guarantee. We win when you win.

You can — and we will be transparent about it. It takes a lot of time and effort: studying credit law, contacting creditors and collection agencies, drafting dispute letters, tracking responses, negotiating settlements. Most people hire us for the same reason they hire a mechanic instead of rebuilding their own engine — it is our profession, we do it every day.

There is a service agreement, but you can cancel at any time — there is no long binding contract. CROA prohibits us from charging up-front before work is performed, and we do not.

Pricing depends on the size of your credit profile and how many items we are challenging. We quote you exactly during your free consultation — no surprises, no hidden fees, no commitment. Book a call and we will tell you exactly what your program would cost.

No. Disputing inaccurate items is a federally protected right and the disputes themselves do not affect your score. What can affect it (positively) is when negative items get removed or marked paid/settled — that is the goal.