You've got questions. We've got answers.

Credit repair is a no joke, and we want to be as transparent as possible with what can and cannot do. Here’s a list of some common questions, but if you can't find what you’re looking for, don’t hesitate to reach out through email by contacting

There are five factors that impact your credit score—payment history, amount of debt, length of credit history, credit mix and new credit. To improve your score, you can pay your bills on time, pay debt down, maintain your current accounts, get different types of credit and avoid applying for new credit frequently.

Beyond these five factors, your credit reports could contain negative items that are unfair or inaccurate, which can stay on your reports for up to 7-10 years. If you have these types of items on your reports, you can try to get them removed by contacting the credit bureaus and creditors. Working with a reputable credit repair agency like can help you remove these items from your reports.

Short answer? We don't know. The problem is, every member's situation and credit are unique, and there's no way to predict in advance how long it will take to repair your credit. That being said, past members have seen an average increase of 40 points to their credit score in just four months of service.

Keep in mind, offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade.

No. While our higher service levels utilize our InquiryManager™ tool to help you challenge questionable credit report inquiries, this service level does not include that future. Our primary focus is challenging inaccurate and unfair report items that could be having a larger impact on your overall score.

There are five different factors that affect a FICO® Score, and knowing exactly which factor prevails in any given situation is a science that FICO® keeps proprietary. Because of this, it is possible (and somewhat common) for your FICO® Score to slightly decrease initially. But don't worry, the removal of negative items pretty much always has a positive effect on your FICO® Score in the long term. For example, let's say a 60-day late payment that appeared on your credit report for five years is removed. While your score may go down initially because your credit history length has decreased, it will likely bounce back as that negative mark is no longer influencing your score.

Monitoring your credit frequently helps you track all the information in your credit reports, so there are never any surprises when your credit is pulled. Remember that credit reports may contain unfair, inaccurate or unsubstantiated data, which can negatively impact your credit score. Plus, have you heard of identity theft? Trust us, it’s better to stop that sooner rather than later.

There are three reasons why credit scores can vary:

  1. Not every creditor reports information to all three of the major credit bureaus: Equifax, Experian and TransUnion. Since credit scores are calculated based on credit report data, the scores will vary across those bureaus.

  2. The credit score we provide is a genuine FICO® Score, used in more than 90% of US based lending decisions. However, FICO® sometimes utilizes specialty scores for very specific purposes that can differ by a few points. Of course, there are other scoring systems that are used, often on sites that offer free credit scores, which also vary from one another based on their algorithm for calculating your score.

  3. The information in your credit report can change at any moment due to the latest information reported on your accounts by creditors and lenders, which leads to changes in your score.

No, our credit score and report pulls do not impact your score. There are two types of credit inquiries: hard inquiries and soft inquiries. A hard inquiry is when a prospective creditor pulls your score with the intent to qualify you for a loan. Hard inquiries will hurt your score. We use a soft inquiry to obtain your credit score and reports, which will never hurt your score.

On the first day you start working with us, you'll be charged a one-time fee of $14.99 that allows us to pull your credit report. From there, we charge a first work fee starting 5-15 days after you sign up with us for the work we have completed-monitoring your credit, providing your credit reports, performing credit repair services and providing you with a credit analysis. Your monthly fee then starts 30 days after the first work fee.

Keep in mind, we only bill for work that has already been completed (like a utility bill), so if you decide to cancel your service you'll be charged a final payment when your service comes to an end.

Of course. If at any time you feel our service is no longer a good option for you, you can cancel. In this case, we'll charge you a prorated amount for the work completed up to that point, rather than hitting you with an entire month's fee.

Don't let your credit hold you back another day.

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