Frequently Asked
Honest answers, no fine print.
How long does credit repair take?+
Most clients see meaningful improvement within 60–120 days, with full results typically over 4–8 months. Timelines depend on the volume and complexity of items on your reports.
What can you actually remove?+
Anything inaccurate, unverifiable, or improperly reported under the FCRA — including collections, charge-offs, bankruptcies, unauthorized inquiries, and repossessions. We never promise to remove accurate items.
Do you work with clients outside Michigan?+
Yes. We're headquartered in Detroit but serve clients in all 50 states. The entire process is handled remotely with the same level of care.
How much will my score improve?+
We don't guarantee specific point gains — anyone who does is violating federal law. Our clients commonly see meaningful lifts; results vary by file.
Is this legal?+
Absolutely. Your rights under the Fair Credit Reporting Act allow you to dispute any inaccurate or unverifiable item on your report. We simply do it with expertise.
What do I need to get started?+
A consultation, photo ID, proof of address, and access to your credit reports — we'll guide you through every step in your secure client intake.
Can I cancel at any time?+
Yes. There are no long-term contracts. Pause or cancel whenever you'd like.
Do you offer credit education?+
Yes — it's included with every plan. We want you confidently in control of your credit long after our work together ends.
Still have questions?
Talk with us directly — it's free and entirely confidential.