How does the process work?

After enrollment, you will complete onboarding and upload:

• A valid ID

• Proof of address

• Active 3-bureau credit monitoring login

Once we review your credit report, we complete a full analysis and begin drafting your disputes based on your specific profile.

Disputes are typically submitted within 48–72 business hours after your credit analysis is complete.

​

Do I need credit monitoring?

Yes. Active 3-bureau credit monitoring is required at all times during the program.

Monitoring allows us to:

• View accurate updates

• Track changes

• Prepare your next dispute round

• Monitor bureau responses

 If credit monitoring is inactive, the next round of disputes cannot be completed.

It is the client’s responsibility to keep monitoring active throughout the program.

​

How long does the process take?

Most clients begin seeing updates within 30–60 days.
Timelines depend on:

• The number of negative accounts

• Creditor response time

• Bureau processing times

• Accuracy of reported information

Every credit profile is different.

​

Can you guarantee deletions or score increases?

No legitimate company can guarantee specific deletions or score increases.

We use lawful, compliance-based strategies to challenge inaccurate, outdated, or unverifiable information. Results depend on how accounts are reported and verified.

​

Will I have to do anything during the program?

Yes. Credit restoration is a partnership.

Clients must:

• Keep credit monitoring active

• Avoid applying for new credit

• Make all payments on time

• Follow utilization recommendations

• Provide documents when requested

Failure to follow guidance can delay progress.

​

What types of accounts can be challenged?

We may challenge:

• Collections

• Charge-offs

• Late payments

• Inquiries

• Certain reporting inaccuracies

All work is done according to federal credit reporting laws.

​

What if nothing is removed?

If accounts are verified as accurate and complete, they may remain.
In that case, we shift focus to strengthening and rebuilding your profile strategically.

Not all accounts qualify for removal.

​

Do you offer refunds?

Due to the time, administrative work, and strategy involved, services are non-refundable once work has begun unless otherwise stated in your signed agreement.

 

How will I receive updates?

Updates are provided according to your selected service tier.
You may also review changes directly through your credit monitoring account.