Straight answers to the questions everyone asks.

Yes. The Fair Credit Reporting Act gives you the right to dispute inaccurate, unfair or unverifiable information on your credit reports. We simply do it properly and persistently, on your behalf, across all three bureaus.

Every credit file is different, so we build your strategy around yours. We challenge what is holding you back, coach the proven habits that lift a score over time, and keep you updated every round. Results vary from person to person.

We can challenge any item that is inaccurate, unfair or unverifiable, and more of those situations qualify than people expect. We will tell you honestly what we see after reading your reports, and we never claim to remove accurate, verifiable information.

You will see your full plan and exact price on your free analysis, before you commit to anything. No surprise invoices.

Many clients see their first changes within the first weeks, and timelines vary by report. Because we challenge the whole report at once, we tend to move faster than the big services.

Disputing inaccurate information does not lower your score for doing it. If an item is corrected or removed, the effect is neutral to positive.

They dispute a couple of items at a time across a long program. We challenge the entire report from round one, rebuild the file, keep a real person on your case, and stay with you for what comes after credit.

Yes. We treat your data with care, use it only to work your case, and never sell it.

Generally, anything above 670 is considered good, and below 670 is fair or poor. Scores range from 300 to 850.

Equifax, Experian and TransUnion. Each keeps its own report, so your score can differ between them. We work across all three.