Question 1

What is credit repair?

Accepted Answer

Credit repair is the process of identifying and disputing inaccurate, unfair, or unverifiable information on your credit reports with the three major credit bureaus (Equifax, Experian, and TransUnion). Under the Fair Credit Reporting Act, you have the right to dispute any information on your report that you believe is incorrect.

Question 2

How long does the credit repair process take?

Accepted Answer

Results vary based on individual circumstances, but most clients begin to see improvements within the first 3 to 6 months. The complexity and number of items being disputed, as well as how quickly creditors and bureaus respond, all factor into the timeline.

Question 3

Will credit repair hurt my credit score?

Accepted Answer

No. Disputing inaccurate items on your credit report will not lower your score. In fact, if negative items are successfully removed, your score should improve. We also pull your initial credit report using a soft inquiry, which does not affect your score.

Question 4

How does the 90-day money-back guarantee work?

Accepted Answer

If within the first 90 days of service we have not initiated the dispute process on your behalf, you are entitled to a refund of your monthly service fees. Your account must be in good standing and you must have provided all required documentation. See our guarantee page for full details.

Question 5

What types of items can be disputed?

Accepted Answer

We dispute collections, late payments, charge-offs, foreclosures, bankruptcies, repossessions, liens, judgments, and hard inquiries. Any item on your credit report that is inaccurate, unverifiable, or unfair can potentially be removed.

Question 6

Do I need to cancel my current credit monitoring?

Accepted Answer

No. In fact, we encourage clients to maintain credit monitoring so they can track progress in real time. Our service includes score tracking and real-time account sync (depending on your plan) so you can see updates as they happen.

Question 7

Can I cancel at any time?

Accepted Answer

Yes. Our service is month-to-month with no long-term contracts. You can cancel at any time by contacting our support team. There are no cancellation fees.

Question 8

What is the difference between your plans?

Accepted Answer

Our three plans differ in the level of aggressiveness and included features. The Premium plan includes unlimited challenges, three-bureau reports, and our loan readiness program. The Standard plan offers focused repair with most features. The Basic plan covers essential credit repair needs at the most affordable price. All plans include our 90-day money-back guarantee.

Frequently Asked Questions

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