Frequently asked questions

It depends on your file and your plan. The 7-Day Full Credit Sweep is a 14–30 day program with results possible in as little as 7 days. The Premier Plan runs 3–4 months, and the Credit Success Plan runs 9–12 months — both can show first results in as little as 30 days, because bureaus generally must complete investigations within about 30 days of receiving a dispute. Individual results vary with what's actually on your report.

Anything inaccurate, unverifiable, incomplete, or outdated: collections, charge-offs, late payments, repossessions, bankruptcies reported wrong, duplicate accounts, and hard inquiries you didn't authorize. Accurate, verifiable, current information cannot be legally removed — and any company promising otherwise is a red flag.

Completely. The Fair Credit Reporting Act gives you the right to dispute anything on your credit report, and the Credit Repair Organizations Act regulates companies like ours — including your right to cancel within three business days of signing and your right to dispute everything yourself for free. We work inside that framework, aggressively.

Yes — and you have that right at no charge, directly with the bureaus. What we bring is experience: knowing how bureaus respond, how furnishers verify, what escalates a stalled dispute, and how to run all three bureaus in parallel without triggering frivolous-dispute flags. Most clients hire us for the same reason people with legal rights still hire attorneys.

Your monitoring account gives us the full 3-bureau report your free review is built from, and lets you watch scores move in real time as results land. It's the first step of every plan — you can activate it here.

Three plans: the $99 Credit Success Plan, the $599 Premier Plan, and the $1,997 7-Day Full Credit Sweep. Every plan except the Sweep carries a $99/month retainer while we work. Full details on the pricing page.

No — and legally, no credit repair company can. What we guarantee is the work: a full audit, personalized disputes, escalation on everything that comes back verified, and straight answers about what's realistic for your specific file before you pay.

Yes. Federal law gives you the right to cancel within three business days of signing, no questions asked. Our full cancellation and refund terms are in your service agreement and summarized in our refund policy.

Disputing itself doesn't lower your score. Deletions of negative items generally help. One caution: paying an old collection without a strategy can sometimes restart clocks or re-age the account — talk to us before paying anyone.

About 60 seconds: call or text (714) 723-1545, or submit the form. Then activate your credit monitoring so we can pull the report your free review is built on. That's it — we handle the rest.