Faqs

Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or unverifiable items. We help you exercise those rights.

No service fees upfront. The only initial cost is the small fee to pull your credit reports.

Our program is $100 per month. Your first month is free (aside from the credit report fee).

Billing begins 30 days after enrollment and recurs automatically every 30 days.

Some clients see results in as little as 30–60 days, but most programs last 6–9 months. Every case is different, but we stay with you until your program is complete.

We cannot guarantee a specific score increase. What we provide is:
• A thorough review of your credit reports
• Tailored disputes specific to your accounts
• Ongoing guidance to help you build positive credit habits

You’ll have 24/7 access to your Client Portal, where you can track disputes, upload documents, and communicate with us anytime.

We can challenge inaccurate, outdated, or unverifiable items such as:
• Collections and charge-offs
• Late payments
• Medical bills
• Student loans
• Repossessions
• Bankruptcies & foreclosures
• Judgments

If a negative account reappears, we’ll re-dispute it as long as it remains inaccurate or unverifiable.

Yes. Your information is stored securely in your encrypted Client Portal.

While we handle the disputes, you can boost your credit by:
• Paying bills on time
• Keeping balances below 30% of your limits
• Avoiding new collections or late payments
• Adding positive like secured cards or credit-builder loans