Every credit profile is different, but we work efficiently by challenging all negative items across all a major credit bureaus at the same time to help clients move toward their financial goals as quickly as possible.

No legitimate credit consulting company can legally guarantee exact score increases or the removal of every negative item. What we can guarantee is a professional review of your credit profile, accurate dispute processes, and a strategy designed to help improve your overall financial position over time.

No. Reviewing your credit report or disputing inaccurate information does not damage your score. In fact, addressing reporting errors and improving credit habits can positively impact your credit profile over time.

Items that may be disputed include inaccurate late payments, collections, charge-offs, duplicate accounts, outdated information, identity-related errors, and reporting inconsistencies. We carefully review each report to identify items that may qualify under consumer protection laws.

Each dispute round typically takes 30-35 days. Credit bureaus generally have up to 30 days to respond, and once updates come in, we review results and provide progress updates through email and our mobile app every 30-35 days.