A transparent, step-by-step process using your legal rights under the Fair Credit Reporting Act. No magic, no loopholes — just consumer protection law.
Important: Credit repair is not a guaranteed solution. We can only dispute inaccurate, unverifiable, or incomplete information. Accurate, current, and verifiable negative information cannot be removed before its legal reporting period expires. Results vary by individual situation.
Complete our secure online enrollment form. You'll provide your basic information, review our service agreement, and sign your contract digitally. Per TSR regulations, no phone consultation is required or permitted before enrollment.
TSR: All sign-ups are self-service. No phone sales calls.
You'll order your credit reports from all three bureaus through your client portal. We recommend using AnnualCreditReport.com for your free reports. Once uploaded, our team begins the analysis within 2 business days.
FCRA: You have the right to a free report annually at AnnualCreditReport.com.
Our team prepares customized dispute letters for each identified item, citing the specific FCRA provision that applies. Disputes are sent to the relevant credit bureaus and/or original creditors via certified mail.
FCRA: Bureaus must investigate within 30 days and remove unverifiable items.
Credit bureaus have 30 days to investigate each dispute (45 days if you provide additional information). They must contact the original creditor to verify the information. If they cannot verify it, they must remove or correct it.
FCRA § 611: Bureaus must delete unverifiable information within 30 days.
We review bureau responses with you through your portal. Items that were removed are documented. For items that were verified, we assess whether a re-dispute or additional documentation is warranted. The process continues monthly.
CROA: You receive written progress reports throughout the service period.
As inaccurate items are removed, your credit profile improves. We provide education on maintaining your improved score, building positive credit history, and managing your finances for long-term credit health.
Note: Results vary. We cannot guarantee specific score improvements.
The process typically takes 3–6 months for initial results, though complex cases may take longer. Bureaus have 30 days to respond to each dispute. We cannot guarantee a specific timeframe.
No. We cannot remove accurate, current, and verifiable information. The FCRA only requires bureaus to remove inaccurate, unverifiable, or incomplete information. Anyone claiming to remove accurate items is not being truthful.
The FTC's Telemarketing Sales Rule (TSR) prohibits credit repair organizations from requesting payment over the phone before services are rendered. To remain compliant, all our sales and sign-ups are handled through our self-service online portal.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no charge. We provide a professional service for those who prefer to have experts handle the process, but it is not required.
You may cancel your contract within 3 business days of signing without penalty or obligation. After that period, cancellation terms are detailed in your written contract.