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FREQUENTLY ASKED QUESTIONS
Got Questions? Check out Our FAQs Below
Can I have a credit score without having a credit card?
Think you need a credit card to build credit? You don’t. Your credit score reflects your full credit history — like student loans, car payments, or personal loans — not just credit card activity. But using a credit card wisely can help boost your score over time.
How much does repairing my credit cost?
Worried about the cost? Most credit repair companies charge between $69 and $149 a month, depending on your credit needs and the service level you choose. We’ll never charge you without a full review of your reports and a clear explanation of what you’re paying for — no surprises, no pressure.
How long does repairing my credit take?
How long does credit repair really take? On average, most people see results within 3 to 6 months — sometimes sooner. A few clients start seeing improvements in just 45 to 90 days, but every case is different. We move quickly, but it depends on how fast credit bureaus and creditors respond.
Does checking credit score lower it?
Worried that checking your score will hurt it? It won’t. Looking at your own credit is a soft inquiry, which has zero impact. Only hard inquiries — like applying for new credit — can cause a small, temporary dip.
How long have you been in business?
Here’s what makes us different. We’ve spent 11 years helping people take control of their credit, remove errors from their reports, and rebuild their financial lives. Thousands have trusted us to help them navigate the process with honesty, clarity, and results that speak for themselves.
How can a credit repair company help me?
So how does it work? First, we pull and review your credit reports. Then, we flag any inaccurate or unverifiable items and begin challenging them with the credit bureaus and creditors. At the same time, we guide you in building new positive credit habits that stick — so your score doesn’t just improve temporarily, it holds steady for the long haul.
When will I be charged for credit repair?
You’ll never be charged upfront. It’s illegal — and against our values. You only pay once we’ve started working on your behalf.
Do you guarantee the results?
We make no false promises. No one can guarantee results in credit repair — but we do guarantee professional service, full transparency, and a team that fights for your success.
Do I have pay any upfront fee?
You’ll never be charged upfront. It’s illegal — and against our values. You only pay once we’ve started working on your behalf.
Do you keep my information confidential?
Your data stays 100% private and protected. Everything is encrypted. We don’t sell or share your info — ever.