Credit Repair Service FAQ

Do I pay for your credit repair services before or after they are completed?
We charge credit repair fees only after our work has been completed. Credit repair fees are charged only after all the work has been done to prepare and submit your disputes to the credit bureaus.

Can I do credit repair on my own?
Yes. You have the right to attempt credit repair yourself for free and to contact the 3 major credit bureaus directly. However, our clients still choose and prefer to work with us due to our industry-leading services and our professional experience. For those who simply don’t have the budget, we highly recommend and encourage you to contact the credit bureaus directly and attempt credit repair yourself for free. You can access the Fair Credit Reporting Act for more information about your rights as a consumer.

Do you create “new” identities or credit reports for your clients?
No. It’s against the law to create “new” identities or credit reports. This is a serious crime that can result in fines and/or imprisonment. Beware of companies that advocate creating “new” identities or credit reports.

Do you advise to dispute all the information in your credit report, regardless of its accuracy or timeliness?
No. We only advise you to dispute questionable negative items. You have the right to dispute questionable negative items and any credit information you feel to be inaccurate, incomplete, unverifiable, or obsolete.

How can I get free copies of my credit reports from all 3 major credit bureaus?
The fastest and easiest way to obtain free copies of all 3 credit reports and scores is by visiting You can also access, which is the official website to help consumers obtain all 3 credit reports once every 12 months.