No marketing jargon, no hidden disclaimers. The honest version of what we can and can't do, what it costs, and how the process actually works.
Yes. The first call costs you nothing. We listen to your situation, tell you straight whether we can help, and walk you through what working with us would look like. No pressure, no upsell, no obligation.
Most clients see meaningful progress within 3 to 6 months, though results vary based on your starting credit file, the items being disputed, and the response of credit bureaus and creditors. We don't promise specific timelines.
No, and we'd be skeptical of anyone who does. Federal law (CROA) prohibits credit repair companies from promising specific score outcomes. What we promise is real, careful work on your file. Your results depend on factors we can't control.
No. If an item is accurate and verifiable, no legitimate company can remove it. What we can do is identify items that may be inaccurate, outdated, or unverifiable — those are the ones we dispute with bureaus and furnishers.
We bill in arrears — you pay for work we've already done, never up front. The exact monthly fee and billing schedule is laid out in the written service agreement before you sign. You can cancel within three business days of signing, with no penalty.
Yes — always. You have the right to dispute inaccurate information on your credit report directly with the bureaus at AnnualCreditReport.com at no cost. You don't have to use a credit repair company. We're a service that does the legwork for clients who want the help.
Once your credit is in lender-ready shape, we introduce you to lending partners in our network — mortgage, auto, business, or personal — who fit your goal. You apply with them directly. You're always free to use any lender of your choosing.
Yes, in some cases we receive a referral fee from lending partners when a referred loan funds. This never changes the rate or cost of the loan to you. We disclose this in writing in our service agreement.
Absolutely not. The credit work and the lender introduction are separate. You're free to shop with any lender you want — banks, credit unions, online lenders, brokers — and we'll cheer you on regardless.
No — disputing items doesn't damage your credit. The dispute process is a federal right under the Fair Credit Reporting Act. Pulling your own credit report (which we do as part of our work) is a soft inquiry and doesn't affect your score.
Schedule a free consultation. We'll listen to your situation, tell you straight what we can and can't do, and lay out the next step.
Schedule Free ConsultationNo marketing jargon, no hidden disclaimers. The honest version of what we can and can't do, what it costs, and how the process actually works.
Yes. The first call costs you nothing. We listen to your situation, tell you straight whether we can help, and walk you through what working with us would look like. No pressure, no upsell, no obligation.
Most clients see meaningful progress within 3 to 6 months, though results vary based on your starting credit file, the items being disputed, and the response of credit bureaus and creditors. We don't promise specific timelines.
No, and we'd be skeptical of anyone who does. Federal law (CROA) prohibits credit repair companies from promising specific score outcomes. What we promise is real, careful work on your file. Your results depend on factors we can't control.
No. If an item is accurate and verifiable, no legitimate company can remove it. What we can do is identify items that may be inaccurate, outdated, or unverifiable — those are the ones we dispute with bureaus and furnishers.
We bill in arrears — you pay for work we've already done, never up front. The exact monthly fee and billing schedule is laid out in the written service agreement before you sign. You can cancel within three business days of signing, with no penalty.
Yes — always. You have the right to dispute inaccurate information on your credit report directly with the bureaus at AnnualCreditReport.com at no cost. You don't have to use a credit repair company. We're a service that does the legwork for clients who want the help.
Once your credit is in lender-ready shape, we introduce you to lending partners in our network — mortgage, auto, business, or personal — who fit your goal. You apply with them directly. You're always free to use any lender of your choosing.
Yes, in some cases we receive a referral fee from lending partners when a referred loan funds. This never changes the rate or cost of the loan to you. We disclose this in writing in our service agreement.
Absolutely not. The credit work and the lender introduction are separate. You're free to shop with any lender you want — banks, credit unions, online lenders, brokers — and we'll cheer you on regardless.
No — disputing items doesn't damage your credit. The dispute process is a federal right under the Fair Credit Reporting Act. Pulling your own credit report (which we do as part of our work) is a soft inquiry and doesn't affect your score.
Schedule a free consultation. We'll listen to your situation, tell you straight what we can and can't do, and lay out the next step.
Schedule Free Consultation