Frequently Asked Questions

We review your credit reports from Experian, Equifax, and TransUnion to find inaccurate, unverifiable, or obsolete negative items. We prepare and submit FCRA-based dispute letters to the credit bureaus and data furnishers. When disputes aren't properly investigated, we escalate using CFPB complaints and legal remedies.

Take our free credit assessment. A team member will review your situation and let you know what we can do. If you're a good fit, we'll guide you through onboarding — it takes about 10 minutes to upload your documents.

You'll need your credit reports from all three bureaus (free at annualcreditreport.com), a valid photo ID, and proof of your current address. We also need your authorization to dispute items on your behalf, which you can sign electronically during onboarding.

By law, credit bureaus have 30 days to investigate disputes. Most clients see initial results within 60 days. Significant improvement typically takes 3–6 months. The timeline depends on how many items need disputing and the bureaus' responsiveness.

We cannot guarantee specific score improvements because every credit report is different. What we guarantee is that we will dispute every inaccurate, unverifiable, or obsolete negative item we find. According to CFPB data, approximately 76% of credit report disputes result in some modification to the consumer's report.

Most negative items stay 7 years from the first delinquency. Chapter 7 bankruptcy: 10 years. Chapter 13 bankruptcy: 7 years. Hard inquiries: 2 years. Accurate information can remain for its full legal reporting period — we focus on items that are inaccurate, unverifiable, or beyond their time limit.

Yes. The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate or unverifiable information on their credit reports. Credit repair is regulated under the Credit Repair Organizations Act (CROA). We operate fully within federal guidelines, using the same dispute rights available to every consumer.

That's a violation of FCRA §611. We escalate by filing CFPB complaints, sending FCRA §616/§617 demand letters, and pursuing legal remedies. Federal law allows consumers to seek actual damages, statutory damages, and punitive damages for willful noncompliance.

No. Accurate negative information cannot be removed before its legal reporting period expires. However, many items that appear on credit reports are inaccurate, incomplete, or cannot be verified when properly investigated. Our process focuses exclusively on disputable items.

The Fair Credit Reporting Act is the federal law that governs how credit bureaus collect and share consumer credit information. It gives you the right to dispute inaccurate items and requires bureaus to investigate. FCRA violations can result in statutory damages up to $1,000 per violation plus actual damages and attorney's fees.

Plans start at $99/month. We have three tiers to match different needs. Your free assessment is always free — no credit card needed. See our full pricing.

Yes. Month-to-month, cancel anytime. No contracts, no exit fees. You keep all the benefits from completed disputes. Just email us.