Frequently asked questions

We focus on the items that hold people back the most: collections, charge-offs, repossessions, and paid or closed accounts that still show late payments. We also help with inquiries, medical collections, student loans, and building new or business credit. In your free consultation we'll tell you honestly whether your file is a fit.

Look for a company that reviews all three of your credit reports before quoting a price, explains in writing what it will dispute and why, and never promises a specific score or asks you to dispute information you know is accurate. Federal law also gives you a written contract and the right to cancel within three business days.

No one can legally remove information that is accurate, complete and verifiable. The Fair Credit Reporting Act lets you dispute items that are inaccurate, incomplete, outdated or can't be verified, and that's exactly what we do, across Experian, Equifax and TransUnion.

Every file is different. The credit bureaus generally have 30 days to investigate a dispute, so most files go through several rounds over a few months. We'll give you a realistic picture after reviewing your reports.

It depends entirely on what's on your reports and how it's being reported. We won't promise a number. We will show you which items we can challenge and what else you can do to build healthy credit.

Pricing is set after your free courtesy consultation, based on what your reports actually need. There's no cost or obligation for the consultation.

We protect it carefully. We use your information only to work on your file, limit access to our team, and never sell it. Our Privacy Policy explains exactly what we collect, who helps us (such as our email and calendar provider) and your choices.

All three major bureaus (Experian, Equifax and TransUnion), plus specialty bureaus such as ChexSystems and Early Warning Services when they're part of the picture.

You can get free reports from all three bureaus at annualcreditreport.com. If you'd like help choosing a monitoring service, ask us during your consultation.

No. Every consultation and all of our work is done virtually, by phone or video.