No, our Credit Report Dispute & Monitoring Process will not hurt your credit score. We only dispute inaccurate, outdated, or unverifiable information on your credit report. The credit bureaus are required by law to investigate these disputes, and removing negative items that shouldn't be there can only help improve your score. Our lawyer-backed dispute letters ensure we follow all legal guidelines and best practices.

We stand behind our service with a 90-day money-back guarantee. If you don't see any positive results within 90 days of starting our program, we'll refund your money completely. However, our success rate is 98%, and most clients see initial improvements within 30-45 days. We're confident in our ability to help improve your credit situation.

The timeline varies depending on your specific situation, but most clients see initial results within 30-45 days. Significant improvements typically occur within 3-6 months. The credit bureaus have 30 days to investigate each dispute, so the process takes time. However, we work continuously on your behalf, sending new dispute letters each month until we achieve the best possible results for your credit profile.

Yes, absolutely! There are no long-term contracts or cancellation fees. You can cancel your service at any time with no penalties. We believe in earning your business every month through results and excellent service, not by locking you into lengthy contracts. Simply contact our customer service team, and we'll process your cancellation immediately.

We take your privacy and security extremely seriously. All your personal information is protected with bank-level 128-bit encryption, the same security used by major financial institutions. Additionally, every client receives $1 million in ID theft protection at no extra cost. Our systems are regularly audited and comply with all federal privacy regulations including the Fair Credit Reporting Act (FCRA).

Our dispute letters are lawyer-backed and professionally crafted using proven legal strategies. Unlike generic template letters used by many companies, our letters are customized for your specific situation and use advanced legal language that creditors and bureaus take seriously. This professional approach significantly increases the success rate of our disputes and helps achieve faster results.

Yes, we work with all three major credit bureaus: Experian, Equifax, and TransUnion.

Your monthly fee includes unlimited dispute letters, 24/7 credit monitoring, $1M ID theft protection, a dedicated credit specialist, monthly progress reports, and ongoing support. There are no hidden fees or charges for additional disputes. We continue working on your credit until we achieve the best possible results, all for one flat monthly rate.

Yes, we can help with all types of negative items including bankruptcy, foreclosure, collections, charge-offs, late payments, and more. While some items like bankruptcy may be more challenging to remove, we can often dispute inaccuracies in how they're reported, potentially improving your score even when the item remains. We've successfully helped clients with even the most challenging credit situations.

Getting started is easy! Simply click the "Get Started" button, complete our secure online enrollment form, and pay the one-time $99 setup fee. Within 24 hours, you'll receive your comprehensive credit analysis and we'll begin working on your credit immediately. Your dedicated credit specialist will contact you to discuss your personalized repair strategy and answer any questions you may have.