Frequently Asked Questions

Your free consultation starts with a credit analysis. We pull your reports from all three bureaus and identify every error, inaccuracy, and potential legal violation. An attorney reviews your file and calls you within 24 hours to discuss your options. There's no obligation to move forward.

No. The initial consultation and credit analysis are completely free. We only charge after you decide to move forward with our services. Our fee structure is transparent — you'll know exactly what you'll pay before signing anything.

We need basic information (name, address, SSN) to pull your credit reports, plus details about the credit issues you're facing. If you have existing credit reports or correspondence with collectors, those help too. Everything is confidential and secure.

Most clients see initial improvements within 45-60 days. Full optimization typically takes 4-6 months depending on the number and complexity of items. Simple disputes may resolve in 30 days, while complex cases requiring litigation can take longer.

We can legally challenge and often remove: inaccurate information, outdated negative items (older than 7 years), unverifiable accounts, duplicate entries, accounts with reporting errors, and fraudulent/identity theft accounts. We cannot remove accurate, verifiable, current negative items.

No. Disputing inaccurate information does not hurt your credit score. In fact, removing negative items typically improves your score. The only temporary effect might be a slight change if an account's status is updated during investigation, but this is rare and usually positive.

Regular credit repair companies send template dispute letters. Our attorneys craft customized disputes citing specific FCRA violations, can identify when creditors break the law, and have the ability to escalate to litigation if needed. We also pursue damages when your rights are violated.

We offer transparent, flat-fee pricing based on the complexity of your case. During your free consultation, we'll provide a detailed quote. We never charge illegal upfront fees — all charges comply with the Credit Repair Organizations Act (CROA).

Yes. Under the FDCPA, you may be entitled to up to $1,000 in statutory damages per violation, plus actual damages and attorney fees. We handle these cases on a contingency basis — you pay nothing unless we recover money for you.

Absolutely. You have the legal right to dispute inaccurate information on your credit reports under the Fair Credit Reporting Act (FCRA). Our attorneys work within federal law to protect your rights — we never use illegal or deceptive practices.

Results vary based on your specific situation. Our average client sees a 100-150 point increase over 4-6 months. Some see dramatic improvements (200+ points) while others with fewer errors see more modest gains. We'll give you a realistic assessment during your free consultation.

No ethical credit repair company can guarantee specific results — and you should be wary of any that do. What we guarantee is our commitment: we use every legal tool available, we communicate transparently, and we don't stop until we've maximized your credit potential.

If a removed item reappears, we re-dispute it immediately at no additional cost. Under the FCRA, creditors must notify you before re-reporting a deleted item. If they don't, that's a violation we can pursue for additional damages.