FAQs
FAQs
Top Questions & Concise Answers:
How fast can I see results?
Most students spot errors in 48hrs. Score impacts take 30-90 days as bureaus respond. Our 90-Day Challenge students average 87-point gains.
Is this different from credit repair companies?
We teach you to fish. Instead of doing it for you, we give tools to:
✓ Dispute errors yourself (saving $1000s)
✓ Maintain scores long-term
✓ Build new credit correctly
What if my credit is already decent?
Our advanced students learn to:
✓ Optimize for mortgage approvals
✓ Build business credit
✓ Leverage 800+ scores for perks
Frequently Asked Questions
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What is credit repair?
Credit repair is the process of identifying, disputing, and correcting inaccurate, outdated, or unverifiable information listed on your credit reports.
Our team works directly with credit bureaus and creditors on your behalf to challenge and remove negative items that are hurting your credit score.
We focus on restoring your financial reputation so you can qualify for better opportunities like home loans, car financing, and credit cards with lower interest rates. Credit repair isn’t just about disputes — it’s about building a stronger credit foundation for your future.
How long does credit repair take?
Every credit situation is unique, so the timeline can vary.
Most of our clients start to see positive changes within 45 to 90 days after we initiate disputes. However, full credit restoration may take 4 to 6 months or longer, depending on the complexity and number of negative items reported.
Remember, credit repair is a legal process, and it often requires persistence and patience. We stay consistent with the credit bureaus and creditors, ensuring every opportunity for improvement is pursued.
Can you guarantee a specific credit score increase?
No, it is illegal for any credit repair company to guarantee a specific increase in your credit score.
Your score is determined by many factors, and each person’s credit history is different.
What we do guarantee is that we will aggressively and ethically challenge any inaccurate, unfair, or unverifiable negative information. Our proven track record shows that many clients experience significant score increases, new approvals for credit cards, better loan rates, and more financial freedom after working with us.
What items can be removed from my credit report?
Some of the most common items we help remove include:
Collections and charge-offs
Late payments and repossessions
Bankruptcies (older ones or incorrect listings)
Foreclosures
Student loan inaccuracies
Identity theft-related accounts
Incorrect personal information (wrong addresses, misspelled names)
Not all negative items can be removed — if the information is 100% accurate and verifiable, it must legally remain. However, many reports contain errors, and that’s where we come in to correct them and boost your credit profile.
Will paying off my debts improve my credit score?
Paying off your debts can help improve your credit score — but it depends on the type of debt and how it impacts your credit profile.
For example, reducing your credit card balances lowers your “credit utilization ratio,” which makes up 30% of your credit score and can quickly lead to a score boost.
However, paying off collections may not always improve your score immediately, depending on how it’s reported. We’ll guide you on the best strategies — such as “pay-for-delete” agreements when possible — to maximize the positive impact on your credit.
How much does your credit repair service cost?
We offer flexible and affordable service packages based on your individual needs.
Pricing depends on the number of negative accounts, the complexity of your credit file, and the specific services you require (disputes, monitoring, education, etc.).
We also offer optional add-ons like credit monitoring tools, coaching sessions, and rapid rescoring services.
Please visit our Services Page for a breakdown of options, or Contact Us to receive a free customized quote tailored to your goals.
Do you offer credit monitoring?
Yes! We highly recommend using credit monitoring throughout the repair process.
We partner with SmartCredit, a trusted leader in credit reporting and identity protection.
Credit monitoring gives you real-time alerts for changes in your report, helps you track your improvements, and protects you from fraud or identity theft while we work on improving your scores.
Can I repair my own credit?
Absolutely — you have the legal right to dispute items on your own.
However, credit repair can be a complex and time-consuming process, requiring knowledge of consumer protection laws like the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).
Many people attempt DIY credit repair but become overwhelmed by the paperwork, legal language, and back-and-forth with the credit bureaus.
Working with experienced professionals like us saves you time, energy, and often leads to faster, stronger results.
What happens if nothing is removed from my report?
While we are very successful at helping our clients, there are rare cases where disputes don’t result in removals, especially if all items are accurate and verifiable.
If no negative items are removed within a set timeframe, you may be eligible for a refund based on our Refund Policy.
We believe in transparency, and we will keep you updated throughout the process to ensure you know exactly what’s happening with your case.
How do I get started?
Getting started is simple and stress-free!
You can Get Started Here by filling out our short intake form. From there, one of our credit specialists will reach out to schedule your free consultation.
During the consultation, we’ll review your credit goals, evaluate your credit reports, and design a personalized action plan just for you.
Start today and take the first step toward stronger credit and greater financial freedom!