The questions people actually ask.

Most files run four to eight months. Bureaus generally have 30 days to investigate each challenge, so a round is a month by definition — and meaningful movement usually takes more than one round. Anyone quoting you 30 days for a full file is quoting a sales number, not a process.

Information that is inaccurate, incomplete, duplicated, out of date, not yours, or that a furnisher cannot verify when properly challenged. What cannot be removed is accurate, current, verifiable information — by us or by anyone else. If a late payment happened and is being reported correctly, it stays until it ages off.

Yes, and you have the legal right to, at no cost, directly with each bureau. What you're paying for here is the audit that finds every item worth challenging, the documentation and escalation when a bureau verifies something without a real investigation, and the building side that most people skip entirely. If your file is simple, do it yourself — we'll tell you so in the readiness report.

Enrolling costs $0. The $250 Credit Readiness Consultation is charged only after the written report has been delivered to you. Each monthly fee is charged only after that month's round of work has been performed. You are never charged in advance of anything.

Because it isn't lawful. 15 U.S.C. § 1679b(b) forbids a credit repair organization from charging or receiving money for a service before that service is fully performed, and calling the fee "enrollment," "setup," "audit," or "consultation" doesn't change what it is — the statute defines the regulated service to include providing advice or assistance about improving a credit record. The rule costs us about a week of cash flow. That's the whole difference. The full framework is here.

Because of how credit repair may be sold. Under the FTC's Telemarketing Sales Rule, if a phone call is part of the sales path, no payment may be requested or received until the promised timeframe has run and you've been handed a consumer report — issued more than six months after the result was achieved — proving it (16 CFR 310.4(a)(2)). The usual exemption for calls you place yourself specifically does not cover credit repair (§ 310.6(b)(5)). So we don't sell this by phone. Once you're a client, we'll talk as much as you want.

Any time. You have a federal right to cancel within three business days of signing at no cost, and past that you can stop at any point and simply won't be billed for work not yet performed. There is no term contract and no cancellation fee.

It can move in both directions during a program. Closing an old account, a new inquiry, or a balance spike can pull it down mid-flight. That's why we ask you not to apply for anything new without telling us first.

Opening the right starter or secured line at the right time, getting rent and utility history reported where a service supports it, setting per-card utilization targets you can actually hold, and ordering paydowns so each dollar buys the most score movement. On the Builder plan it also includes building a business profile on your EIN.

Yes — on the Builder plan. Entity and EIN setup review, the reporting bureaus that matter for business, vendor and net-30 tiers, and separating what you personally guarantee from what the business borrows on its own.

You get a final three-bureau pull and a written exit plan: where the file stands, what to keep doing, what not to touch, and what your next 90 days should look like if you're heading toward an auto loan or a mortgage.