Yes. Every consumer has the right under the Fair Credit Reporting Act to dispute inaccurate, outdated, or unverifiable information on their credit report. We help exercise that right on your behalf, in line with the Credit Repair Organizations Act.
Will disputing items hurt my credit score?
Filing a dispute itself does not lower your score. If an inaccurate item is corrected or removed, your score typically improves; if a bureau verifies an item as accurate, it remains unchanged.
How long does the process take?
Bureaus generally have 30 days to respond to each dispute round. Most clients see their first status updates within 2\xe2\x80\x934 weeks, though full case resolution depends on how many items are being disputed.
What documents do I need to upload?
A government-issued ID, proof of address, and a recent credit report from each bureau you'd like reviewed. Your case specialist will let you know if anything else is needed.
Can I cancel anytime?
Yes. You can cancel from your account settings at any time, and under the Credit Repair Organizations Act, you may cancel without penalty within the first three business days of signing up.
Do you guarantee a specific score increase?
No legitimate credit repair company can guarantee a specific score increase or item removal \xe2\x80\x94 outcomes are determined by the credit bureaus. We guarantee transparency: you'll see exactly what we dispute and why.
How do I know if something changed with my case?
You'll get an email or SMS notification the moment your case specialist updates a bureau status, with a direct link to view the details in your portal.
