FAQ
Straight answers, including the ones that don't sell you anything.
We'd rather you know exactly how this works — and what you're entitled to for free — before you ever sign anything.
Can I dispute my own credit report for free?+
Yes. Disputing errors on your credit report is a free legal right under the Fair Credit Reporting Act (FCRA). You don't need to pay anyone to do this — you can request your free annual reports and submit disputes directly to each bureau yourself. We're here for people who'd rather have it handled thoroughly and don't want to manage the process themselves.
Do I have to pay anything upfront?+
No. Under the federal Credit Repair Organizations Act (CROA), it's illegal for a credit repair organization to collect payment before services are performed. We bill only after a billing cycle's work is completed and itemized.
Can you guarantee my score will go up?+
No, and you should be cautious of any company that tells you otherwise. No legitimate firm can guarantee a specific score increase or promise to remove accurate, current information from your report. What we can do is thoroughly audit your file and challenge anything that's inaccurate, outdated, or unverifiable.
What is the 3-day right to cancel?+
By federal law, you have the right to cancel your contract with us for any reason, at no charge, at any time before midnight of the third business day after signing. This is a mandatory protection, not a courtesy — and it applies regardless of what any sales conversation implied.
Should I still contact the credit bureaus myself?+
Yes, absolutely — and you should be wary of any company that tells you not to. You always retain the right to contact Equifax, Experian, and TransUnion directly. We handle the correspondence on your behalf as a convenience, not because you're barred from doing it yourself.
How is this different from a nonprofit credit counselor?+
Credit counseling agencies — the nonprofit organizations approved to provide pre-bankruptcy counseling — focus on budgeting, debt management plans, and financial education. We're a for-profit dispute and advocacy firm focused specifically on auditing your credit report for errors and helping you build stronger credit history over time. Different service, different purpose — and worth knowing the distinction when you're comparing your options.
Will you ask me to dispute information that's actually accurate?+
No. Disputing accurate, current, and correctly reported information isn't a legitimate strategy — it's a red flag associated with disreputable operators, and it can backfire on you. We only dispute items that are genuinely inaccurate, outdated, incomplete, or unverifiable.
What do you need from me to get started?+
After signing your agreement, you'll submit your free annual credit reports from all three bureaus. We review those during your 3-day cancellation window and use them as the basis for your initial consultation and dispute strategy.