Every service is clearly described in your written contract before you sign. No hidden fees. No false promises. Full CROA compliance.
We obtain and review your credit reports from all three major bureaus — Equifax, Experian, and TransUnion. Our team identifies items that may be inaccurate, unverifiable, or incomplete under the Fair Credit Reporting Act.
Timeline: Completed within 5 business days of enrollment
Note: Analysis identifies potentially disputable items. Not all items can be removed.
Monthly fee — see contract
We prepare and send customized dispute letters to credit bureaus and creditors, citing specific provisions of the Fair Credit Reporting Act. We track responses and escalate disputes when bureaus fail to investigate properly.
Timeline: Ongoing monthly service. Bureaus have 30 days to respond per FCRA.
Note: Results vary. We can only dispute inaccurate, unverifiable, or incomplete items. Accurate information cannot be removed.
Monthly monitoring of your credit profile across all three bureaus. You'll receive alerts when items are added, removed, or changed, along with updated score estimates.
Timeline: Active throughout your enrollment
Note: Score estimates are educational. Actual scores may differ by lender.
We believe in empowering you with knowledge. Our education program covers how credit scoring works, how to build positive credit history, and how to maintain your improved score long-term.
Timeline: Ongoing throughout and after your service period
Note: Educational content is general in nature and not financial or legal advice.
Additional monthly fee — see contract
Optional monitoring service that watches for signs of identity theft, including new accounts opened in your name, dark web mentions of your personal information, and fraudulent inquiries.
Timeline: Active immediately upon enrollment in add-on
Note: Identity protection monitoring does not prevent identity theft.
Our support team is available via messaging platforms during business hours. Per TSR regulations, we do not conduct phone consultations. All support is provided via chat, email, or your client portal.
Timeline: Available Monday–Friday, 9am–6pm EST
Note: TSR Notice: We do not accept phone calls from prospects or clients for sales or service discussions.
Per the Credit Repair Organizations Act (15 U.S.C. § 1679d), your written contract will include the total amount of all payments, a full description of all services, and an estimated timeframe for completion. You will receive this contract before any services begin and before any payment is collected.
Specific pricing is provided during the sign-up process and is detailed in your contract. We do not collect any payment until you have reviewed and signed your contract and the 3-business-day cancellation period has passed.