Results vary by individual. While many clients begin to see changes within approximately 45 days, the overall process may take anywhere from 4 to 6 months, depending on your unique credit profile. Credit restoration is a gradual process and cannot be expedited beyond what federal regulations allow. We offer a 180-day money-back guarantee if no unverifiable, erroneous, or inaccurate accounts are removed within that period, as defined by applicable consumer protection laws.

We do not guarantee the removal of any specific item. We operate strictly within the guidelines of the Fair Credit Reporting Act (FCRA) to dispute information that may be inaccurate, incomplete, outdated, or unverifiable. While we have successfully addressed a wide range of issues—including collections, charge-offs, inquiries, late payments, bankruptcies, repossessions, and medical bills—results will depend on the details of each case.

In general, items removed due to inaccuracies should remain off your report, especially if the account was current, paid at the time of removal, or the account in question was beyond three years old. Exceptions can occur, but they are uncommon. If previously removed items do reappear, we will re-examine the situation to ensure accuracy and compliance with the law.

In addition to disputing inaccuracies, we focus on client education, helping you understand how to properly build and maintain your credit profile. Our track record emphasizes both results and superior customer service. We aim to ensure that by the time you complete our program, you are empowered with the knowledge and tools needed to sustain and improve your credit health independently.

By law, credit bureaus typically have 30 to 45 days to respond to disputes, plus up to 7 days for mailing results. Some clients observe initial changes within about 30 days. However, timelines may vary depending on the nature of the disputes and the responsiveness of the credit bureaus.

There is no definitive timeframe for achieving a specific credit score or “good” credit status. Progress depends on various factors, including your current credit situation, financial habits, and consistency in following recommended strategies. We encourage you to start as soon as possible. Good credit is built over time and requires ongoing responsible financial behavior.

Under the law, we cannot guarantee a particular score increase or the removal of specific accounts. We do guarantee that we will use our expertise and knowledge of consumer protection statutes and credit reporting standards to advocate on your behalf. Our commitment is to work diligently to help ensure your credit report accurately reflects your credit history.

No. Our services are designed as a comprehensive credit restoration program. Individual item removals are not offered as standalone services.

Consultations are optional, not mandatory. You are welcome to enroll in our credit restoration services at any time.

Yes. If you choose our monthly plan, there is no long-term commitment. You can discontinue the service at any time or continue until you have achieved your personal credit goals or successfully completed our program.