Frequently Asked Questions
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- Frequently Asked Questions
Absolutely. Contrary to what some may believe, credit education and training truly deliver results in most cases—provided you’re learning from an experienced professional who knows the system inside and out. If your credit score is below 720, the right guidance can be a game-changer. With expert strategies and proven methods, credit education equips you with the knowledge to improve, protect, and maintain your financial health for the long run.
When you join us, you’re more than just a client—your family. From day one, we’ll guide you step by step through the entire process, handling all of your documents with care and precision. You’ll receive monthly updates on your progress, plus full access to your personal Client Web Portal, available 24/7, so you can track your results anytime, anywhere.
Every credit journey is unique, but on average, our program can take up to 9 months to complete depending on your individual situation. The good news? Most of our clients don’t have to wait that long—93% see an increase in their credit score within the first 45 days of working with us.
The truth is, not every account can be challenged—sometimes creditors and credit bureaus have followed every rule correctly, leaving no case for removal. That’s why we start with a thorough credit audit, carefully reviewing your reports and creating a personalized action plan tailored to your situation. With our proven process, clients on average are able to remove up to 70% of the negative items from their credit reports, paving the way for stronger credit and real financial progress.
Our clients have achieved powerful results with our help. We’ve successfully challenged and improved a wide range of negative items, including bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, outdated addresses, judgments, tax liens, and even student loans.
We understand that every client’s situation is unique, which is why we offer a variety of packages designed to fit different needs and budgets. For a detailed breakdown of costs, simply review the pricing listed under each of our services to find the option that works best for you.
Your peace of mind matters to us. Our money-back guarantee is tailored to each specific service we provide. For full details and a clear breakdown of the guarantee that applies to your program, please review the terms outlined under each service.
Yes—credit repair is 100% legal. In fact, our team is trained to help you use the law to your advantage. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report. If a creditor or bureau cannot verify the accuracy of that item within a reasonable time—typically 30 days—it must be removed. Our role is to prepare the necessary documents and leverage this law to challenge inaccurate information, giving you the best chance at real results.