Frequently Asked Questions

A credit report is a detailed record of your credit history, including accounts, balances, payment history, and public records. It’s created by credit bureaus and used by lenders to assess your financial reliability.

Your credit score is a three-digit number, typically ranging from 300–850, that reflects your creditworthiness. The higher the score, the more likely you are to qualify for favorable loans, credit cards, and financial opportunities.

No. When you personally check your own credit report, it’s considered a soft inquiry and has no impact on your credit score. Only hard inquiries—such as applying for credit—may affect your score.

Your credit score influences your ability to get approved for credit cards, auto loans, mortgages, rental applications, and even certain jobs. It also impacts the interest rates and terms you receive.

Credit repair helps remove inaccurate, outdated, or unverifiable information from your report. Even small errors can lower your score and cost you thousands in higher interest rates, so fixing them can lead to better financial opportunities.

Your credit report can be accessed by lenders, landlords, insurance companies, and sometimes employers (with your permission). Each one uses it to evaluate your financial responsibility.

More common than you think—studies show that 1 in 5 Americans has an error on their credit report that could negatively impact their score.

There are three major credit bureaus in the U.S.: Equifax, Experian, and TransUnion. Each one maintains its own report, and the information can differ between them.

Yes. Because not all creditors report to every bureau, each report may show different information. That’s why reviewing and repairing all three is essential.

Yes—it helps us see all three of your credit reports in one place, so we can find errors faster and track your progress more easily.

Keeping your monitoring active ensures we always have real-time access to your updated reports. This lets us spot new changes, track results, and continue disputing items without delays—so your credit repair stays on track.

Once you sign up, we’ll begin by pulling your credit reports and analyzing them for errors, inaccuracies, or outdated items. Then, we’ll create a personalized dispute strategy to start improving your profile.

You can access your reports as early as day one once you’ve fully enrolled. 30 days from enrollment, we will pull another 3-bureau report to check on your progress.

Clients enrolled in our credit dispute plans are free to choose and dispute as many items as they desire.

We review your reports, identify inaccuracies, and submit disputes to the credit bureaus on your behalf. By law, the bureaus must investigate and respond—usually within 30 days. We then track results and adjust our strategy as needed.

Yes, you may cancel at any time. There are no long-term commitments, and we believe in earning your trust through results, not contracts.

Absolutely. We use industry-standard security measures to protect your personal and financial information. Your privacy and safety are our top priority.