Frequently Asked Questions

Credit repair refers to the process of identifying and addressing issues on your credit report to improve your credit score. This typically involves disputing inaccurate or outdated information, negotiating with creditors, and improving financial habits.

A higher credit score can help you secure better loan terms, lower interest rates, and improve your chances of being approved for credit cards, mortgages, or car loans.

For your credit repair service, the duration can vary based on the individual's credit profile. Typically, it may take anywhere from 3 to 6 months, but in more complex cases, it could extend up to 1 year. This timeline depends on the number of negative items to be addressed, the responsiveness of creditors, and how consistently the client follows the process for disputing and rebuilding their credit.

We charge a one-time fee because it’s simpler, more transparent, and ensures your credit repair process isn’t dragged out. Unlike monthly payments, which can feel ongoing and uncertain, a one-time fee gives you clarity upfront and motivates both of us to focus on fast, effective results. It also helps you avoid long-term financial strain, so we can focus on getting your credit back on track as quickly as possible.

We cannot guarantee specific results in credit repair but strive to correct or remove inaccurate information from your credit report. Full Refund: Cancel within 3 days of signing up for a full refund (processed within 10 days). Performance Guarantee: If no items are deleted, updated, or corrected on your credit report during your service period 3-6 months or up to 12 months ** or you’ll receive a full refund. If any changes are made, no refund will be provided.

To maintain a good credit score, pay bills on time, keep credit use below 30%, monitor your credit, and use accounts responsibly. Avoid excessive new applications, keep older accounts open, and stick to a budget to avoid debt or collections. Consistent good habits protect your progress and financial health