Every client’s timeline is different depending on the depth of their credit profile and the amount of negative items present. We typically advise clients to expect a minimum of 60 to 90 days, with full results often seen between 3 to 6 months. That said, many clients begin seeing early results within the first 15 to 30 days — minor inaccuracies, outdated personal information, and small errors are usually the first items to be removed.

We work to dispute and remove a wide range of negative items including late payments, collections, charge-offs, repossessions, medical debt, hard inquiries, bankruptcies, and inaccurate personal information. Results vary by client depending on what’s reporting and whether items can be verified by the bureaus.

In the early stages, you’ll see smaller items such as incorrect personal information, outdated addresses, or minor reporting errors removed first. As the process continues, we work through more complex negative items like late payments, collections, and charge-offs. You’ll receive updates as progress is made so you always know where your profile stands.

To get started, you’ll need to sign up for a credit monitoring service so we can access your reports from all three bureaus — Equifax, Experian, and TransUnion. From there, we review your profile and build your personalized dispute strategy. The process is simple and we walk you through every step.

Absolutely not. There are no hidden fees or additional costs beyond your service agreement. The only additional cost you’re responsible for is your credit monitoring service, which is required so we can track your progress and dispute items on your behalf.

We accept card payments through Square, Cash App, and Zelle. No complicated billing — simple and straightforward.

We stand behind our work and are committed to real results. Because credit repair requires time and active participation from both sides, we do not issue refunds based on timeline expectations alone.

However, after 6 months of consistent service with no measurable progress, you may qualify for a 50% partial refund if:

1. Your credit monitoring account remained active throughout the process
2. All requested documents were submitted on time
3. There is documented communication confirming no progress was made

Before it ever reaches that point, we will always reach out to reassess and adjust your strategy. Our goal is your success — and we’ll do everything on our end to make sure that happens.

Yes, 100%. Credit repair is protected under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). These federal laws give every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit report. We operate fully within those rights on your behalf.

We don’t treat you like a number. Every client gets a personalized strategy based on their unique credit profile — not a one-size-fits-all approach. We combine proven dispute methods with consistent follow-through and real communication so you always know what’s happening with your file. Our results speak for themselves.

It’s completely normal to see a temporary dip in your score when negative accounts are removed — this is because those accounts, even though harmful, were still part of your credit history. However, this is a short-term adjustment. As we continue working your profile, building positive history, and removing additional negative items, your score stabilizes and climbs. Most clients end up significantly higher than where they started. The dip is part of the process — not a setback.

If an item is successfully removed because it was inaccurate, unverifiable, or reported in error, it cannot legally be re-added unless the creditor can fully verify it. If a legitimate debt was removed on a technicality, there is a chance it could be re-reported. We are transparent about this and work to ensure lasting, legitimate removals.

No. In fact, most of our clients come to us with damaged credit, low scores, collections, or a history of financial hardship. That’s exactly who we’re built for. You don’t need to be in a perfect situation to get started — you just need to be ready to take the first step.