We are educated and certified on the how to effectively remove the negative, inaccurate information from your credit report. Additionally, we provide ongoing credit education to give you the information and tools you need to increase your credit scores and build and maintain your overall financial health.

You can expect to see results in at least 30 days, with it taking up to 90 days in some cases.

You will need to pay a credit analysis fee of $199 in the beginning. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the fee for deletions are $50 per deletion per bureau. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed.

Note: We never want anyone to miss this opportunity due to the initial upfront cost. We will work with you to define a payment arrangement that will work for you.

Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score.

Most people find a period of at least 3-6 months is necessary while some stay in for up to 12 months to effectively increase their score.

You will have to sign up for credit monitoring with one of our two preferred partners, SmartCredit or Identity IQ. You give the login information to us and we take it from there.

Yes, it allows you and us to see what all three of the major bureaus have reported in a single report.

We can challenge as many as you want at a single time, the choice is yours.

Anybody who lives in the same household can get the family plan. You do not have to be married.

The only time your information is shared with anyone is if you were referred to us by an affiliate partner (such as a Realtor®, mortgage broker, etc) who is a part of the dispute process. Even then, they only receive updates, not the details of your credit reports. If at any time you no longer want them to be updated, simply let us know and we will stop.

By increasing your credit score with the removal of inaccurate information, you will have a better chance of being approved for a home loan.

Yes, when necessary we will dispute inaccurate information with collectors and creditors.

No worries! You can call, message, or email us and we will answer any additional questions to have.

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