Straight answers, including the ones that don't sell you anything.

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.

No — $0 is due upfront. Under the federal Credit Repair Organizations Act (CROA), it's illegal for a credit repair organization to collect payment before services are performed. For your strategy session, we don't take any payment method up front — the $299 fee is collected only after your plan-of-action call and binder are delivered. For done-for-you disputes, each item is billed 30 days after that specific dispute is submitted (sooner if discounted), shown as two line items: the service fee and the actual certified-mail/materials cost.

No — results are never guaranteed, 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we can do is thoroughly educate you on what's in your file and guide you through disputing anything that's inaccurate, outdated, or unverifiable.

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.

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. Your strategy session gives you everything you need to do exactly that. If you'd rather we handle the correspondence for you, that's a separate, optional service — not something you're required to use.

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 credit education and advocacy firm focused specifically on credit report accuracy: auditing your file for errors, explaining what we find, and guiding you through disputing it. Different service, different purpose — and worth knowing the distinction when you're comparing your options.

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.

Start with a short intro call — we'll get to know your situation and walk you through pulling your own free reports from all three bureaus, or enrolling in MyScoreIQ instead. You send us one or the other, we review and triage it, then get back on a call to walk through a plan of action built around what's actually in your file.

Either works. You can request your free annual reports yourself and send them to us, or enroll in MyScoreIQ, our true-FICO credit-monitoring partner — that gives us ongoing access to your real, current numbers instead of a one-time snapshot. Enrolling in MyScoreIQ is entirely optional, cancellable any time in writing with no penalty and no questions asked, and never required to work with RCS.

Once you've completed your $299 strategy session, you can request an express call any time — a quick question, a new item on your report, help thinking through next steps. These happen within a 2-hour window of your request and are billed after the call, based on time actually used: $35 for up to 5 minutes, $53 for up to 10, with additional time billed at $53 per additional 10 minutes. Nothing is charged just for requesting or booking.