WHAT TO EXPECT

Timeline Expectations

30–45 Days for Initial Changes

Most clients begin to see early updates or removals within the first 30–45 days after disputes are submitted.

90 Days for Major Progress

A large portion of negative items typically resolve within 90 days depending on the type of accounts and reporting agencies.

90 Days to 6 Months for Heavier Credit Files

If your credit report has multiple negative accounts, older charge-offs, repossessions, bankruptcies, or complex issues, your cleanup process may take 3–6 months.

Every credit file is different — timelines vary based on the number and nature of reported items.

Our Process

Credit Report Review & Intake

1. During your onboarding appointment, we pull your full credit report and review all negative items with you. We explain what can be challenged, what may take longer, and what to expect moving forward.

 2. Consumer Law-Based Disputes

We challenge inaccurate, outdated, incomplete, or unverifiable items under applicable consumer protection laws.

Our process is legal, compliance-driven, and tailored to your file.

 3. Customized Action Plan

You receive a personalized plan that outlines:

• What items will be disputed

• Expected timelines

• Utilization targets

• Positive account-building recommendations

• Funding readiness steps (if applicable)

 4. Ongoing Updates

We monitor your file throughout the process and send updates as changes appear on your credit report. You’ll always know where you stand and what’s coming next.

 5. Score Improvement Strategy

Beyond deletions, we help you build a stronger credit profile:

• Lower utilization guidance

• High-limit card strategy

• Account mix improvement

• Payment history optimization

Important Notices

No company can guarantee the removal of every negative item — results depend on reporting accuracy and creditor responses.

Your participation matters.

Following your action plan (lowering utilization, avoiding new inquiries, making on-time payments) helps speed up your results.

 Credit repair is a process.

Real, legal progress takes time — we provide a realistic roadmap, consistent communication, and a structured, law-based approach.

Our Commitment

Improve your credit profile

Remove inaccurate or unverifiable negative items

Build a strong foundation for personal and business funding

Position yourself for long-term financial success

We help individuals and business owners improve their credit and remove inaccurate items using consumer protection laws.