Frequently Asked Questions

Most clients see meaningful improvements within 3 to 6 months, though every credit profile is different. Some clients see big jumps in 30 days, while others take longer. Credit bureaus have 30 days by law to respond to each dispute, so consistency and patience are key.

We offer affordable monthly plans designed to fit different needs and budgets. During your free consultation, we'll review your credit situation and recommend the right plan for you. There are no hidden fees and no long-term contracts.

We can challenge any item on your credit report that may be inaccurate, outdated, or unverifiable, including: late payments, collections, charge-offs, bankruptcies, repossessions, foreclosures, judgments, hard inquiries, identity theft items, and incorrect personal information. We cannot legally remove accurate information that is being properly reported.

Yes, credit repair is 100% legal. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate information on their credit report. We exercise that right on your behalf using strategies that comply fully with the Credit Repair Organizations Act (CROA).

No. The dispute process itself does not lower your credit score. In fact, when negative items are successfully removed, your score typically improves. We work strategically to protect and improve your credit standing.

Yes! Our entire team is fluent in English and Spanish. Sí, todo nuestro equipo habla inglés y español. We proudly serve the Spanish-speaking community with the same professional service in either language.

During signup, we'll need: a government-issued photo ID, proof of address (utility bill or lease), your Social Security number for verification, and your credit reports from all 3 bureaus. We'll guide you through the process step by step. All information is kept secure and confidential.

We're a small, dedicated team that treats every client like family. You won't be transferred to a call center or lost in a queue. You get direct access to our specialists, real-time progress through your client portal, bilingual support, and personalized strategies built around your unique credit profile and goals.

No reputable credit repair company can legally guarantee specific results, and we won't either. What we can promise is honest, diligent work using proven strategies that have helped countless clients improve their credit. Your success depends on the specifics of your credit profile and consistency on your end.

No. Once you sign up, we handle all communication with Equifax, Experian, and TransUnion on your behalf. The only thing we ask is that you forward any mail you receive from the bureaus or creditors so we can respond appropriately.

Yes. You're never locked into a long-term contract. You can cancel your service at any time. We're confident in our work, and we believe trust should be earned, not forced through contracts.

It's simple. Click "Get My Free Credit Review" or call us at (786) 381-6959 to schedule your free, no-obligation consultation. We'll review your situation, answer your questions, and explain exactly how we can help. No pressure, no commitment.