How It Works
A clear, step-by-step process with honest expectations. We review your credit, challenge what is inaccurate, and help you build habits that last.
Our 4-Step Process
From your first conversation to a stronger credit profile, you always know what comes next.
1. Free Credit Review
We go over your three-bureau reports and your goals. No charge, no obligation, and no hard credit pull.
2. Your Dispute Plan
You see the plan, the services, and the total price in writing before you sign anything.
3. Disputes and Follow-Up
We prepare and send dispute letters to the bureaus and creditors and track every response.
4. Rebuild and Maintain
A monthly action plan helps you lower balances, add positive history, and keep your progress.
What You Get
Every plan includes the support you need to stay informed and on track.
Free Consultation and Analysis
A review of your credit reports, what is helping, what is hurting, and our recommendation.
Custom Dispute Letters
Disputes prepared and submitted on your behalf to Equifax, Experian, and TransUnion.
24/7 Client Portal
Track disputes, updates, and bureau responses anytime, on any device.
Dedicated Case Advisor
An experienced advisor who knows your file and works with you throughout the process.
What to Expect
- A written contract with the services and total cost before you pay anything
- A 3-business-day right to cancel at no cost after you sign
- Enrollment is billed only after your first dispute letters are prepared and mailed
- The bureaus generally have 30 days to investigate each dispute
- Programs are designed to be completed within 6 months, or you can go month to month
- Results vary, and we never promise a specific score or the removal of accurate information
Honest Expectations
Credit repair works by challenging information that is inaccurate, outdated, or cannot be verified. Accurate negative information stays on your report for its legal reporting period, and no company can remove it early.
You also have the right to dispute errors directly with the credit bureaus at no cost. We help by handling the paperwork, the follow-up, and the strategy, and by coaching you on habits that keep your credit strong after your program ends.
