Questions? We've got answers.

We work with individuals and couples who have inaccurate, outdated, or unverifiable negative items on their credit reports — including collections, late payments, charge-offs, repossessions, judgments, bankruptcies, and hard inquiries. During your free consultation, one of our specialists will review your credit profile to confirm we can help. If your situation isn't a good fit, we'll tell you honestly and point you toward the right next step — no pressure, no sales pitch.

From day one, you're assigned a dedicated credit specialist who manages your entire case. We send dispute letters to all three credit bureaus (Experian, Equifax, and TransUnion), contact creditors and collection agencies directly, file regulatory complaints with the CFPB when bureaus fail to respond properly, and provide one-on-one coaching to help you build positive credit habits. You'll have 24/7 access to a real-time online dashboard where you can track every dispute, see score changes, and communicate with your team — so you're never left wondering what's happening.

No — we never bill by the hour. Our Individual Plan is $125/month and our Couples Plan is $249/month, with no setup fees or hidden charges. You pay a flat monthly rate for full-service credit repair, regardless of how many disputes or creditor interventions your case requires. You can cancel at any time.

Consumer law attorneys typically charge $200–$400 per hour, meaning a single consultation can cost more than two months of our service. At $125/month, you get unlimited disputes across all three bureaus, direct creditor and collector correspondence, regulatory complaint filings, and ongoing coaching — all included. For most clients, our flat monthly plan delivers far more comprehensive coverage at a fraction of the cost of hourly legal help.

None. There are no setup fees, no enrollment fees, and no surprise charges. The only cost is your flat monthly plan fee — $125/month for individuals or $249/month for couples. If you ever choose to add an optional service, it will be clearly explained and priced before you agree to anything. What you see on our Pricing page is exactly what you pay.

No. Our plans are strictly month-to-month with no long-term commitment required. You can cancel at any time — there are no cancellation fees and no penalties. We earn your continued business by delivering results, not by locking you into a contract. Most clients stay because they're seeing real progress, not because they're obligated to.

We back our service with a 100% money-back guarantee. If you cancel during any billing month, we will refund that month's fee in full — no questions asked. We're confident in our process and our results, and we believe you should never feel financially at risk for giving us a try. Simply contact us to cancel and your refund will be processed promptly.

No ethical credit repair company can legally guarantee a specific score increase — and any company that does should be avoided. What we can tell you is that 93% of our clients see their score increase by 10 or more points within the first 35 days. Credit scores are influenced by many factors, including your payment history, credit utilization, and how the bureaus respond to disputes. We work aggressively to remove or correct every negative item that is inaccurate, unverifiable, or outdated — and those removals directly improve your score over time.

It means we dispute every eligible negative item on your credit report across all three bureaus — Experian, Equifax, and TransUnion — with no cap on the number of disputes per month. We review your full report, identify every inaccurate, outdated, or unverifiable item, and send customized dispute letters tailored to each one. We also follow up with creditors directly and escalate to the CFPB when bureaus fail to comply within their required timeframes. The only disputes we don't file are ones that are frivolous or legally ineligible — we don't cut corners, and we don't take shortcuts that could jeopardize your case.

Every credit file is different, but most clients begin seeing results within 30–90 days. The credit bureaus are legally required to complete their investigations within 30–45 days of receiving a dispute, so the process moves on a predictable cycle. Simpler cases — like removing a single collection or a handful of late payments — can show results quickly. More complex situations involving bankruptcies, multiple accounts, or identity theft may take several months. Your online dashboard will always show you where each dispute stands, what's been resolved, and what's still in progress.

Yes, absolutely. Our plans are flexible and can be adjusted at any time. If you started on the Individual Plan and want to add a spouse or partner, you can upgrade to the Couples Plan. If your needs change or you want to add supplemental services, your specialist can walk you through the available options. Just log into your client dashboard or reach out to your assigned specialist and we'll make the adjustment right away.

Yes. We take the security of your personal and financial information seriously. Our client portal uses encrypted connections (SSL/TLS) to protect all data transmitted between your device and our systems. We comply with applicable federal privacy regulations, including the Gramm-Leach-Bliley Act (GLBA), and we never sell or share your personal information with third parties outside of what's required to perform your credit repair services. Your data is used solely to work on your behalf.