Every credit profile is different, but most clients see measurable movement within 45–90 days. Full results typically take 3–6 months depending on the number and severity of negative items. We'll give you a realistic timeline after your initial review.

Absolutely. Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. We operate in full compliance with all federal and state credit laws including the CROA.

We don't make promises we can't keep. Accurate, verifiable negative items are generally more difficult to remove. However, many items contain errors or cannot be properly verified by the bureaus — and those can be successfully disputed. We'll be honest with you about what's realistic after reviewing your reports.

Not at all — in fact, responsible credit use during the process can actually help. We'll coach you on which behaviors to maintain and which to avoid so that your positive actions support the dispute process instead of working against it.

We're educators first. Most credit repair services fix your score and send you on your way — we make sure you understand why it happened and how to maintain it. We also offer this service alongside our full suite of tax and financial services, so your credit is always viewed in the context of your bigger financial picture.