Questions, answered.

A record of your personal and financial credit information, including public records, identification and debts. It shows your payment history, balances, items in default, collections and who you owe.

A three-digit number between 300 and 850 that reflects your creditworthiness. Lenders use it to decide whether you qualify for a loan and what interest rate you’ll pay.

No. Requesting or viewing your own credit report does not affect your score.

Lower scores can mean higher interest rates, loan denials, trouble renting or buying a home or car, and in some cases missed job opportunities.

A Federal Trade Commission study found that 1 in 5 Americans had an error on at least one of their credit reports.

Every file is different. Many clients see bureau responses within the first 45–60 days, and we work month by month. No company can promise a specific result or timeline, because the bureaus and your creditors make the final decisions.

It depends entirely on what’s on your report. Results vary from person to person, and we never promise a specific number.

You have the right to dispute any item you believe is inaccurate, incomplete or unverifiable. Items that are inaccurate or can’t be verified must be corrected or removed. Accurate, timely information generally cannot be removed — including most bankruptcies still within their reporting period.

Yes. You have the right to dispute inaccurate information yourself, directly with the credit bureaus, at no cost. Our DIY kit is built to help you do exactly that.

A copy of your state ID with your current mailing address, a copy of your Social Security card, and a utility bill or car registration showing the same address as your ID. If your ID address is out of date, a pay stub, W-2, 1099, lease, deed or mortgage statement works as proof of residence.

Yes. You may cancel your contract without penalty or obligation within 3 business days of signing it, under the Credit Repair Organizations Act. Send cancellation in writing by certified mail or email.

We never charge for credit-repair services before they are performed. Your written contract spells out every fee and when it is due.

You’ll get a welcome email to set up your client portal, an analysis of your reports, and notice of the disputes we send. After that you’ll receive regular updates on your disputes and progress.

Yes. Your documents are handled only for your file and kept secure. See our Privacy Policy for details.