Fair question, and probably the one you actually care about most. Bureaus have up to 30 days to respond to each dispute, so real movement typically starts in 30 to 90 days depending on your plan, then continues round by round.

If someone tells you they can fix your credit in a week, that's not confidence, that's a red flag. It's the exact promise the FTC shuts companies down for making. We'd rather earn your trust with a timeline that's true than lose it with one that isn't.

Starter disputes at the bureau level, one layer, best if your report has a handful of clear problems. Pro adds a second layer, direct disputes to the original creditors and collectors, plus secondary bureau freezes (ChexSystems, LexisNexis & others) most people never check. It's what most clients end up needing. Elite is Pro plus Inquiry Removal and ChexSystems Removal included free (a $600 value), funding-readiness prep, and a direct line to your specialist.

Not sure which one is you? Tell us what's actually on your report and we'll point you to the right tier, even if that's the cheaper one.

Yes, and here's exactly why instead of just saying "required": monitoring at $19.99/mo is how we actually pull your reports and track what changed each round. We can't do accurate work on a report we can't see. It's not an add-on to pad the bill, it's the instrument the work runs on, and it has the side benefit of flagging new fraud on your file while we're in there.

Your first work fee is charged today, when you sign up. That covers your full 3-bureau analysis and getting your first round prepared. What it is depends on your plan and how you're paying:

Pay in full: $99 on Starter, $199 on Pro, $299 on Elite. The remaining balance is not taken up front. Once everything is finished and ready to send out, we charge the remainder and your letters go out.

Month to month: $149 on Starter, $199 on Pro. Your first monthly payment is charged 30 days from that date, and then on that same date every month after. If you cancel, the next month simply doesn't bill.

That's the whole schedule. No surprise charges, and nothing billed that wasn't spelled out on this page before you signed.

No. What's on this page is what you pay: your plan price and the $19.99/mo monitoring. The only other charges are add-ons you choose yourself, like Inquiry Removal or ChexSystems Removal, and Elite already includes both of those free.

Fine print is exactly how this industry lost people's trust in the first place. We'd rather you read this once and never have to ask again.

On month-to-month, yes, any time, no long-term contract. On a Program, you're billed as each round is completed, never up front for work that hasn't happened yet, so if you stop, you only ever pay for what was actually done.

You also have a federal right to cancel within 3 business days of signing, no explanation needed, in writing. We'd rather you feel free to leave than feel stuck, because clients who feel stuck don't refer anyone.

Completely, and it's worth knowing why: the Fair Credit Reporting Act (FCRA) gives you the right to dispute anything on your report that's inaccurate, incomplete, or unverifiable. That's a right you already have. We're licensed to exercise it correctly and consistently on your behalf, under the Credit Repair Organizations Act (CROA), which is exactly why you get a written contract and a 3-day cancellation right before anything else happens.

What's NOT legal: creating a new credit identity, using a CPN in place of your SSN, or promising to erase accurate history. If a company offers you any of that, that's your sign to walk.

No. Filing a dispute is not a credit inquiry and it does not lower your score. This is one of the most common fears we hear, and it's simply not how the process works. You're exercising a federal right, not taking on risk.

Any time, no penalty. If your case turns out more complex than it looked on day one, we'll tell you honestly and you can move up or add on exactly what you need. Nothing you already paid for is wasted.