Straight answers.
The questions everyone asks before starting — answered without the fine-print runaround.
We audit your full 3-bureau report, flag every item that's inaccurate, outdated, or unverifiable, and send custom disputes to the bureaus and furnishers. They must respond within about 30 days. We read the responses, escalate what didn't stick, and repeat — round after round — while monitoring your file the whole time. Full breakdown here.
Bureaus get ~30 days per dispute round, so most members see first movement within 30–60 days.Our average time to first results is about 60 days, but every file is different — more items generally means more rounds. Anyone promising overnight results is selling fiction.
Two plans: Credit Repair is $125/month for unlimited disputes across all three bureaus. Credit Repair + Credit Builder is $150/month and adds our help signing up and managing a credit-building tradeline (the tradeline itself is billed separately by its provider). A $350 pay-in-full option is also available if you'd rather not subscribe. Your credit monitoring is a separate low-cost subscription with our monitoring partner, which you control and can cancel anytime. Full plan details here.
Yes. No contracts, no cancellation fees, no guilt trip. Cancel by phone or email and your monthly billing stops. Work completed to that point is yours to keep.
No — and be suspicious of anyone who says yes. We can only challenge items that are inaccurate, outdated, or unverifiable. Accurate, verifiable items can't legally be removed by any company. The good news: reports contain errors far more often than people assume, and unverifiable items are more common than bureaus admit.
No — nobody honestly can, because bureaus and creditors decide outcomes independently. What we do guarantee: if nothing has been removed, corrected, or changed on your report after 90 days, you choose a full refund or continued free disputing until something does. Read the guarantee.
Two things: your $1 3-bureau credit report (pull it here) and your enrollment. From there we handle the audit, the strategy, and the letters. Most people are fully onboarded in under 20 minutes.
We're based in Tampa, Florida, and everything is handled by phone and email. Credit repair is regulated state by state, so there are a few states we can't currently enroll. Give us 30 seconds on the phone at (877) 714-8253 and we'll confirm whether we can work your file.