Question 1

How long does credit repair take?

Accepted Answer

Most clients see initial changes within 30–60 days. Full case resolution typically takes 3–6 months depending on the number and complexity of items.

Question 2

Is credit repair legal?

Accepted Answer

Yes. Under the Fair Credit Reporting Act, you have the right to dispute any item on your credit report that is inaccurate, outdated, or unverifiable.

Question 3

Will this hurt my score short-term?

Accepted Answer

Disputing inaccurate items does not lower your score. In fact, when negative items are removed, scores typically improve.

Question 4

How does the money-back guarantee work?

Accepted Answer

If we have not removed at least one item from your report within 60 days, we refund your monthly payments. No questions asked.

Question 5

Do I need to cancel my existing credit monitoring?

Accepted Answer

No, but you can. ScorePlus monitoring covers all three bureaus and is included on Plus and Premium.

Question 6

Can I cancel anytime?

Accepted Answer

Yes. There are no long-term contracts — cancel from your dashboard in two clicks.

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