A: A private 1:1 consultation via Zoom to review your credit report and create a custom Rebuild Action Plan, report freezes, disputes of inaccurate accounts, monthly progress updates, and ongoing financial education — unless noted otherwise for your specific plan.

A: Credit reports are like people — we all come in all shapes & sizes, with different backgrounds & experiences. Just as some people might need a little guidance and others require ongoing therapy or specialized care to heal from deeper traumas—credit reports also require different levels of attention depending on their present circumstances. Some only need a few small adjustments to get back on track, while others need a more intensive and prolonged approach to repair the deeper “scars” left by inaccurate or damaging accounts. The process, pace, and strategies will always depend on the unique condition of the report. In plain terms — every case is unique because some clients may have more derogatory accounts than others. Disputes can also face different levels of pushback depending on the bank, the nature of the remark, or the balance owed. On average, the process takes 4–8 months, while more complex cases can take 12+ months. Disclaimer: Whether you work with us or not, please know that anyone promising “full results” in 4 days, 14 days, or even 30 days is not being truthful. We have gotten results in as little as 3 hours, but it doesn’t happen often enough to make it a promise or even advertise it as it can be misleading.

A: No. For each month your membership with us is active, we pull the update and import them directly via our integrated system and you will be able to see the progress in your client app/portal.

A: We dispute negative, inaccurate, unverifiable, or outdated items. Before sending disputes, we’ll review the specifics with you so you understand why certain accounts are included and others are not. There are many misconceptions about what “should” be removed, so we will educate you on the best approach.

A: You’ll receive a detailed monthly progress report showing which accounts were removed, which remain, and how your scores have changed. You’ll also receive reminders and updates throughout the month. Your client portal/app will also contain all this information and more.

A: Timelines vary. Some clients see changes within 14 days, others around 45 days, and some in 90 days or more. However, the overall estimated timeline for completion can take between 4 and 8 months, and up to 12 months in rare cases.

A: Our services start at $49/month after an initial setup fee that varies based on the report/workload. Some clients may have 1 eviction and a few inquiries — while another might have 8 collections totaling $20k, 1 repo, and 3 accounts with late payments. It wouldn’t be fair to charge both the same when one requires significantly more work and effort.

A: Yes. It’s required so we can pull your updated report each month to track what’s been deleted and what items remain for the next round of disputes. IdentityIQ, Credit Karma, and Experian are not compatible with our system and cannot be accepted at this time.

A: Absolutely!! I was originally self-taught! The biggest “secret” to being successful at repairing your credit is PERSISTENCE. DO NOT GIVE UP! Many clients only choose to work with us simply for the convenience of time, diligence, and expertise.

A: A credit report lists your credit history, while your score is a number calculated from that history.

A: Applying for new credit can delay or negatively impact your results and is a violation of policy, which may result in termination of service. If an emergency arises, you must inform us immediately so we can explore a possible workaround.

A: Not usually — it can lower your average credit age and may flag you as a higher risk to lenders. This is one of the most common credit misconceptions.

A: No one can legally guarantee specific outcomes, but we do guarantee our best efforts and proven strategies.

A: Improving your credit can help you qualify for better rates and approval odds, but it’s only one part of the home buying process.