Step 1: Book your free 15-minute credit analysis. We'll review your report together and identify every removable item.

Step 2: Choose your path - Premium (we do everything) or DIY AI Platform (automated software guides you).

Step 3: Disputes are filed with all 3 bureaus. Premium clients relax while we handle it. DIY users approve AI-generated letters and send them.

Step 4: Watch negative items disappear. Track progress with monthly reports. Most clients see first removals within 30-45 days and 50-120 point score increases within 90 days.

DIY Alone (Free but Hard): You research laws, write letters yourself, track responses manually, handle bureau denials alone. 78% quit after first rejection. Takes 6-12+ months if you don't give up.

DIY AI Platform ($39.99/month): AI auto-drafts professional dispute letters, tracks all 3 bureaus automatically, generates monthly progress reports, guides you step-by-step. You just review and send. Takes 3-6 months with consistent effort.

Premium Full-Service ($199 setup + $249/month): We do 100% of the work. Professional disputes, bureau negotiations, monthly reports, phone support, money-back guarantee. Takes 3-6 months, zero effort from you.

Most clients see their first negative items removed within 30-45 days. Full credit repair typically takes 3-6 months depending on how many items need addressing and how the bureaus respond. Premium clients get monthly progress reports tracking every dispute and removal. DIY timeline varies based on your consistency and effort level.

Premium ($199 setup + $249/month): We do 100% of the work. File all disputes, handle bureau communication, negotiate with creditors, provide monthly reports and phone support. Includes money-back guarantee. Best for busy people who want results without the time investment.

DIY AI-Powered Platform ($39.99/month): Our AI software automates your credit repair. Auto-generates professional dispute letters, tracks all 3 bureaus, sends automated monthly progress reports, and guides you step-by-step. You approve and send letters—AI does the rest. Perfect for budget-conscious individuals who want automation without the Premium price tag.

Absolutely yes. We use 100% legal dispute processes under the Fair Credit Reporting Act (FCRA). You have the legal right to dispute inaccurate, unverifiable, or outdated information on your credit report. We simply leverage this right with professional expertise and proven strategies that work. Nothing shady, nothing illegal.

Premium clients only: If we don't remove at least 3 negative items from your credit report within 90 days, you get a full refund of every dollar paid. We're this confident because our process works when applied correctly. DIY plan does not include guarantee since results depend entirely on your execution and consistency.

No one can legally guarantee a specific score, and anyone who promises that is lying. However, we guarantee Premium clients will see at least 3 items removed or get their money back. Most clients see 50-120 point increases. Your final score depends on multiple factors including payment history, credit utilization, account age, and new credit activity.

10+ years experience in debt relief and credit repair. Triple certified (IADPA, CCDS, CCA). Founder personally built credit from scratch and helped hundreds of people. We offer both Premium full-service and AI-powered DIY automation. Small dedicated team who actually cares, not a massive call center reading scripts. Honest advice even if it means less revenue for us. We're in this for your long-term financial freedom, not just monthly subscriptions.

Zero long-term contracts on both Premium and DIY plans. Cancel anytime with 30 days notice. We believe in earning your business every single month through results and excellent service, not trapping you in contracts. If we're not delivering value, you should be free to leave.