Here are the most common questions we get asked:
Q: Who can become a client?
A: We accept only clients we’re confident we can help. If your case isn’t a good fit, we’ll tell you honestly and recommend next steps.
Q: How will you support me through the process?
A: We handle disputes, communicate with creditors/collections, file complaints when needed, and provide coaching. You get a real-time dashboard to track every step.
Q: Do you charge hourly?
A: No. We charge monthly plan fees and individually— no hourly billing.
Q: How do your fees compare to hiring an attorney For credit repair?
A: Our fees are lower than what you’d pay for just a few hours with an attorney, while providing full-service dispute management and coaching.
Q: Are there hidden fees?
A: No. What you see is what you pay. Any optional add-ons will be clearly disclosed before purchase.
Q: Do I have to sign a long Term contract?
A: No long-binding contracts. Our plans are month-to-month — cancel anytime (you or we).
Q: What is your refund policy?
A: We offer a 100% money-back guarantee for the month in which you cancel. If you cancel during a billing month, we’ll refund that month’s fee.
Q: Do you guarantee a specific score increase?
A: No service can guarantee exact credit-score changes. We set realistic goals (like our +50 Boost) and work to remove or correct items that boost scores. Results depend on your credit profile and bureau responses.
Q: What does “unlimited disputes” mean?
A: It means we will file all valid, permissible disputes with the three major bureaus for covered items while your plan is active. We follow legal and bureau guidelines — frivolous or ineligible disputes are not filed.
Q: How long does repair take?
A: Timelines vary by case and bureau response times. Many clients see measurable changes within 30–90 days; complex cases may take longer. Your dashboard will show live progress and estimated timelines. 93% of our clients see their credit score increase 10 points or more in the first 35 days.
Q: Can I upgrade, downgrade, or add services?
A: Yes. Plans are flexible — upgrade or add services anytime through your dashboard.
Q: Is my information secure?
A: Yes. We use industry-standard security to protect your data and comply with applicable privacy rules.
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