Frequently Asked Questions

Credit repair is the process of disputing inaccurate, unfair, or unverified information on your credit reports with the major credit bureaus (Equifax, Experian, and TransUnion). Our team of experts meticulously reviews your reports, identifies items that are negatively impacting your score, and uses proven strategies and legal frameworks (like the Fair Credit Reporting Act) to challenge these errors on your behalf, aiming to have them corrected or removed.

Most bureaus respond within 30–45 days after receiving a dispute. If an inquiry is found unauthorized, inaccurate, or unverifiable, it may be removed by the bureau. Some cases require additional documentation or follow-ups, which can extend timelines. We’ll keep you updated at each step with clear next actions

We audit your credit reports, verify consent, draft and submit bureau-specific disputes, track responses, and manage follow-ups for hard inquiries only. We do not create new identities, add tradelines, promise specific score increases, or remove accurate and verified inquiries. Our goal is accurate reporting—not shortcuts

It can help, especially if multiple recent inquiries are affecting your score. Results vary based on your overall credit profile. We focus on removing inquiries that are unauthorized, inaccurate, or cannot be verified—so your file reflects fair, accurate information

A "hard inquiry" occurs when a lender checks your credit report during a loan or credit card application. Too many hard inquiries in a short period can significantly lower your score. Our inquiry removal service focuses on disputing unauthorized or inaccurately reported hard inquiries, helping to clean up your credit report and potentially boost your score.

The timeline varies for each individual, as it depends on the number and type of items we are disputing. The credit bureaus typically have 30-45 days to respond to each dispute round. While some clients see results in the first 30-60 days, a more complex credit situation may take several months to achieve optimal results. We work diligently and persistently throughout the entire process.

Our process is simple and transparent:

1. Free Consultation: We start with a free credit analysis to understand your unique situation.
2. Plan & Onboarding: We create a customized action plan, and once you enroll, we gather your reports and signed documents.
3. Dispute Initiation: We craft and send out the first round of dispute letters to the credit bureaus and creditors.
4. Continuous Monitoring & Follow-up: We track the bureaus' responses, send follow-up disputes, and keep you updated on all progress.
5. Your Results: We continue the process until we've challenged all the items in your plan, working toward your goal of a cleaner credit report.

Absolutely. Transparency is key. We provide regular updates on the status of your disputes, including any changes to your credit report and correspondence received from the bureaus. You will have access to a client portal and direct communication with our team.

Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you, the consumer, the right to dispute any information on your credit report that you believe is inaccurate, outdated, or unverifiable. Our service exists to professionally exercise these rights on your behalf.

Getting started is easy! Simply click the "Get Started" button below to create your profile, connect your smart credit reports, select your inquiries, and make your one-time payment.

Yes, we stand by our service. If we have not successfully had any items removed after three (3) rounds of active service, you are entitled to a full refund. Read about our 100% money-back guarantee.