Frequently Asked Questions

We analyze your credit reports from all three bureaus, identify negative items that are inaccurate, unverifiable, or unfairly reported, and challenge them through formal disputes with the bureaus and your creditors. We also coach you on the habits that raise scores, because removals alone are only half the job. See the full breakdown on our services page.

Yes. The Fair Credit Reporting Act gives you the right to dispute anything on your credit report that is inaccurate or cannot be verified, and the Credit Repair Organizations Act (CROA) regulates companies like ours that do it on your behalf. What is not legal: creating a new credit identity, lying on disputes, or a company charging you before work is performed.

No company can honestly promise a specific item will come off, and federal law prohibits guaranteeing outcomes. What we do instead: challenge every negative item that has a legitimate basis for dispute, show you the results in writing after every round, and back the work with the money-back terms published on our pricing page.

Yes, you can. Disputing is a right you already have, and nothing stops you from exercising it. People hire us for the same reason they hire accountants: experience with what works, tri-bureau tracking, and not having to manage a months-long paper process themselves.

It depends on what is on your reports. Inaccurate, outdated, or unverifiable items respond well to disputes. Accurate, verifiable debt cannot simply be erased, and anyone who says otherwise is lying to you. The free credit analysis exists to answer this question for your specific reports before you pay anything.

We work with clients nationwide. The dispute process is federal (FCRA and CROA apply in all 50 states), and everything happens by phone, email, and your secure client portal, so where you live does not change the work.

Our full prices are published, which is rare in this industry: programs are $397 (Starter), $697 (Pro), or $997 (Elite) in total, or you can go month to month. Credit monitoring at $19.99/mo is required on every plan so we can pull your reports and track each round; apart from that there are no hidden fees and no surprise add-ons. Current details and what each tier includes are always on the pricing page.

No, and by law you should never pay in full before work is done. You pay a $99 first-work fee when your file is set up and disputes are prepared, and the balance is billed once your first round of letters is prepared and ready to send. Month-to-month plans simply bill as each month of work is delivered.

Yes. You can cancel per the terms in your agreement, and CROA additionally gives you a three-day right to cancel after signing with no charge. You never owe for work that has not been performed. Full terms are in our terms of service.

All three run the same core dispute process. Pro adds deeper coverage, including secondary bureaus like ChexSystems and escalations through the CFPB and BBB when warranted. Elite is the most thorough: a six-round program for complex files with many negative items. The pricing page has the full side-by-side comparison.

Yes, our money-back terms are published on the pricing page: if no qualifying negative item is removed within the stated window for your program, the covered fees come back to you. We would rather earn a client for life than keep a fee we did not earn.

Each dispute round takes 30 to 45 days, because the FCRA gives bureaus 30 days (sometimes 45) to investigate. How long a full program runs depends on how many items are in dispute and how many rounds each one takes. Simple files with a few errors resolve faster; complex files with many items take longer. Anyone promising overnight results is not being straight with you.

One full cycle of challenges: we prepare and send disputes for the targeted items, the bureaus investigate (30 to 45 days under the FCRA), results come back in writing, and we review what was removed, corrected, or verified. What survives a round gets re-attacked from a different legal angle in the next one.

Three things: a copy of your ID, proof of address, and access to your credit reports through the monitoring service you enroll in during setup. The free analysis happens before any of that, using just your basic contact information. Start on the contact page.

You get a secure client portal showing every item we are challenging, its current status, and the results of each round as bureau responses arrive. No wondering what is happening with your file, and no chasing anyone for updates.

You leave with cleaner reports and, just as important, the knowledge to keep them that way: how utilization, payment history, and new credit applications move your score. Many clients then move on to our business funding preparation once their personal credit is solid.

Yes. Our business funding service prepares your business to qualify: building business credit, fixing the credibility items lenders check, and sequencing applications so approvals build on each other instead of stacking denials.

Usually yes. Most lenders check the owner's personal credit for young businesses, and many business cards require a personal guarantee. The strongest position is solid personal credit plus established business credit, which is exactly the path our two services cover in order.

Partially. Vendor accounts and some business tradelines report to business bureaus using your EIN. But most meaningful funding (cards, credit lines, loans) still checks the owner's personal credit and often requires a personal guarantee. Read the honest breakdown in our business credit guide.

The most common reasons: thin or damaged personal credit, little time in business, low or inconsistent revenue, missing credibility basics (business bank account, real address and phone listing), and applying for the wrong product for your profile. Our funding guide walks through fixing each one.