Straight answers about credit repair

The Fair Credit Reporting Act gives consumers the right to dispute information that is inaccurate or incomplete. We review credit reports, identify information that may warrant investigation, prepare disputes according to the selected plan, and help organize follow-up. Accurate information cannot lawfully be removed simply because it is negative.

Timelines vary by bureau, furnisher, dispute type, and individual file. Credit reporting companies generally investigate disputes within the period required by applicable law, but no provider can guarantee when a report will change or how long a complete process will take. Available updates are documented in the client portal.

We cannot predict or guarantee a score change. A score can move for many reasons, and results depend on the information in each person's complete credit profile. Our work focuses on reviewing and disputing eligible information, not promising a particular score outcome.

We use administrative and technical safeguards designed to protect personal information and use it only as described in our Privacy Policy. We do not sell client information.

Yes. There are no long-term contracts or cancellation fees. You can cancel the monthly service at any time, subject to the terms explained during enrollment.