FAQS

HOW LONG DOES THE PROCESS TAKE?
It depends on your file. Credit bureaus are allowed roughly 30 to 45 days to
respond to each dispute, and most profiles need more than one round. We will give
you a realistic picture of your specific file after we review your reports — not
before.

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CAN YOU GUARANTEE DELETIONS?
No, and neither can anyone else. Any company that guarantees deletions is telling
you something they cannot deliver. What we guarantee is the work: a complete
review, a real strategy, every round documented, and straight answers.

 

WILL MY SCORE GO UP?
Scores respond to what is in the file and to your habits going forward. Removing
inaccurate items helps. So does utilization, payment history, and profile depth —
which is why we work on all of it rather than only disputes. Individual results
vary.

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DO I NEED CREDIT MONITORING?
Yes. We cannot see your reports without it, and we cannot dispute what we cannot
see. You will connect your monitoring login through the client portal during
onboarding. It stays in your name and under your control.

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WHAT DOCUMENTS DO I NEED?
A government-issued photo ID, proof of your current address, and your Social
Security card or W-2. All uploaded through the secure portal — never by email.

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CAN I DO THIS MYSELF?
Yes. Everything we do, you have the legal right to do on your own for free. People
hire us for the same reason they hire anyone: strategy, time, and knowing which
approach fits which situation. We will tell you honestly if your file is simple
enough that you do not need us.

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HOW DO I COMMUNICATE WITH YOU?
Through your client portal and mobile app. Messages there are tied to your file,
so nothing gets lost in an inbox and you always have a record.

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WHERE DO I UPLOAD DOCUMENTS?
Your client portal. Never email sensitive documents — not to us, not to anyone.

 

HOW OFTEN IS MY FILE REVIEWED?

Every dispute round, plus whenever a bureau responds or a new score posts. You
will see each update in your portal as it happens.

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WHAT HAPPENS AFTER THE NEGATIVE ITEMS ARE ADDRESSED?
That is where most companies stop and where the actual work starts. We move into
positioning — utilization targets, profile depth, and preparing the file for
whatever you are trying to qualify for next.

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