Our service starts at $99/month for our Basic Plan, $149/month for our Standard Plan, and $199/month for our Premium Plan. We offer transparent pricing with no setup fees or hidden costs, and include a 90-day money-back guarantee.

We offer a 90-day money-back guarantee. If you're not completely satisfied with our service within the first 90 days, we'll refund your money. No questions asked. We're confident in our ability to deliver results.

Most clients see initial results within 30-60 days. Significant improvements typically occur within 3-6 months. The timeline depends on the complexity of your credit issues and how quickly creditors respond to disputes.

While results vary by individual, our clients see an average improvement of 150+ points. Some see increases of 200+ points. The amount depends on your starting score and the negative items we're able to remove from your reports.

Yes! We offer special pricing for couples who want to repair their credit together. Contact us for details about our couples packages and save money while both partners improve their credit scores.

Welcome! Within 24-48 hours, we'll pull your credit reports and conduct a comprehensive analysis. You'll receive your personalized action plan via email, and we'll begin the dispute process immediately. You'll start seeing progress within the first month.

You can Sign Up right now and then follow our easy instructions on getting your free credit reports. Once we have your reports we will complete our analysis and start the dispute process.

No. Upon signup we will assist you in getting your free credit reports. Credit reports are from third-party providers, they are always free, there is no trial period, and getting them will never harm your scores.

Our credit service specialists are the only ones who will see your credit reports, view our privacy measures within our privacy policy—your information is safe and secure.

We review your credit report and see what's bad and what could be better. We get right to work on both -- disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.

Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted -- specifically the Fair Credit Reporting Act (FCRA) -- to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted.

Unfortunately, the credit reporting system just doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. The credit reporting agencies will update the account to indicate that it's paid, but the negative history will remain. That's where our dispute process can help.

A better question would most likely be "what items cannot be removed". We can remove everything you can imagine. Here is a list of some: Late Payments, Charge Offs, Foreclosures, Judgments, Repossessions, Personal Identification changed or corrected, Closed Accounts, Bankruptcies, Negative Settlements, Liens, Collection.

Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late. We see more late payments being removed than any other negative item.

You bet! We have had tremendous success challenging collections and removing them from your credit report.

Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won't take.

Yes, foreclosures can be removed. Although they are very difficult, we again take every step possible to do so. Keep in mind that all public records remain "public records" however.

Late payments on student loans can be removed, although student loan debt cannot be settled.

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.