WHAT DOES “ZERO ADVANCED-PAY” CREDIT REPAIR MEAN?
It means we do not charge for credit repair services before work is performed. In compliance with federal law, payment is only collected after services have been provided.
IS THERE ANY UPFRONT COST TO GET STARTED?
No payment is required upfront to begin onboarding.
Onboarding includes identity verification, compliance screening, client profile setup, document collection, credit report access, and dispute system preparation.
The one-time $50 onboarding fee is only charged after onboarding has been completed. Payment must be received before any service plan can begin.
HOW DO I CHOOSE THE RIGHT SERVICE PLAN?
We offer three service options:
- New Beginnings Plan: Disputes 1–5 accounts at a time
- Accelerated Plan: Disputes up to 10 accounts at a time
- Hard Inquiry Plan: Focuses on disputing unlimited hard inquiries
Plan selection is based on your needs. If you want to address 1–5 accounts, the New Beginnings Plan is appropriate. If you have 6–10 accounts, the Accelerated Plan is recommended. The Hard Inquiry Plan can be used for disputing inquiries and may be selected as a standalone service or added to another plan.
WHAT IF I HAVE MORE THAN 10 ACCOUNTS?
If you have more than 10 accounts, the Accelerated Plan is recommended. The New Beginnings Plan may also be used if you prefer a slower, more phased approach. Accounts may be addressed in stages as items are updated or resolved.
WHAT DOES “DISPUTING” MEAN?
Disputing involves challenging items on your credit report that may be inaccurate, incomplete, outdated, or unverifiable with the credit bureaus, which are required to investigate. Disputes are sent to the appropriate three main bureaus: Experian, Equifax, and TransUnion.
HOW OFTEN ARE DISPUTES SENT?
Disputes are sent on a consistent 30-day cycle. This allows time for the credit bureaus to begin and process investigations while maintaining a steady and ongoing flow of new challenges being submitted.
DO I NEED TO PARTICIPATE IN THE PROCESS?
Yes. Participation includes providing requested documentation, maintaining credit monitoring, forwarding bureau communications, and staying active and responsive in the client portal when needed.
HOW DO PAYMENTS WORK?
Payments are made monthly after services are performed. You are not required to pay for the full program in advance.
WHAT IS YOUR CANCELLATION POLICY?
While each service plan is designed to run for up to 6 months to allow time for multiple dispute cycles and responses from the credit bureaus, you may cancel at any time with no cancellation fees. You will only be responsible for payment for services that have already been performed up to the date of cancellation.
HOW LONG WILL IT TAKE TO SEE RESULTS?
Timelines vary depending on your credit profile and the number of items being addressed. Some clients may see updates within the first few months, but results are not guaranteed.
WILL MY CREDIT SCORE INCREASE?
Outcomes depend on many factors unique to each individual’s credit profile. While addressing inaccurate items may help, specific results or increases cannot be guaranteed under CROA regulations.
CAN YOU REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT?
Accurate and verifiable information cannot be removed under federal law. We only assist with disputing items that may not meet reporting standards.
Outcomes also depend on many factors unique to each individual’s credit profile. While addressing inaccurate items may help, specific results cannot be guaranteed under CROA regulations.
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