Straight answers about credit repair

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report that is inaccurate, misleading, or can't be verified. We review your reports, identify items that may qualify, prepare and file disputes with the bureaus and creditors, and follow up until they respond. It's methodical, documented work grounded in federal law.

It varies by individual. Many clients see the first changes within 30–45 days as disputes cycle through the bureaus, but meaningful progress typically happens over three to six months. Your dashboard shows every update in real time so you always know where things stand.

Disputing inaccurate items does not hurt your score. In some cases, a score may dip briefly during the process before improving as items are removed or corrected. We never make guarantees about specific score changes — your results depend on your individual credit history and engagement with the service.

Yes. Your data is protected with bank-level encryption and is never sold. We use your information only to perform our services. You can read the full details in our Privacy Policy.

Absolutely. There are no contracts and no cancellation fees. You can cancel your service at any time, for any reason. We believe you should stay because the work is working — not because you're locked in.