Most clients see results in as little as 30 - 60 days; however, to reach an optimum score it's recommended that you stay in the program for 3 - 6 months. Actual time depends on the number of derogatory accounts on your report.
By law we are unable to promise you that your score will improve; however, we pride ourselves on getting maximum results for our clients. Previous customers have seen 100 - 200 point increases in their credit score. Results vary by client depending on their credit profile and personal credit goals.
Yes. By law, credit reporting agencies and creditors are required to provide only information that is timely, accurate and verifiable on your credit report. Unfortunately, they do not always maintain this level of accuracy which can hurt you, the consumer. Therefore, we're able to challenge these items and aim for deletion of the negative accounts on your report.
To ensure the process goes as quickly and smoothly as possible, we ask that you complete the onboarding steps that will be sent to you after sign-up as quickly as possible. These steps consist of providing us with information and documents that will allow us to communicate with the credit bureaus and creditors on your behalf. You will also be required to sign up for credit monitoring services which will allow us to track your score and credit report changes. Most of these services have a $1 trial period and cost less than $20/month for continued access.
There are no contracts with any of our plans which allows you to cancel at anytime. We also offer a full refund of monthly payments if you don't see any deletions in 90 days with any of the bureaus.