The credit repair process varies depending on the complexity of your credit issues. Most clients start seeing results within 30-45 days, but significant improvements typically take 3-6 months. We work as efficiently as possible to achieve the fastest results.
Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate, incomplete, or unverifiable information on your credit reports. We operate within all federal and state laws governing credit repair services.
We offer different pricing tiers to fit various needs and budgets. Our initial consultation is always free. After reviewing your credit report, we'll provide a customized plan with transparent pricing. We believe in value-based pricing with no hidden fees.
We cannot remove accurate, timely, and verifiable information. However, many items on credit reports contain errors or cannot be properly verified by the creditor. We focus on these questionable items while ensuring all information on your report complies with credit laws.
No, our credit repair services will not harm your credit score. The dispute process itself does not negatively impact your score. In fact, as we successfully remove inaccurate negative items, your credit score should improve over time.