Q&A

We don’t just help challenge inaccurate items on your credit report—we also provide education and strategies to help you build lasting financial health. Our personalized approach ensures you have the tools and support needed to achieve your credit goals.

While every situation is different, many clients see positive results within 30 to 90 days. Throughout the process, we keep you updated and provide regular progress reports.

• Sign-Up Fee: $250 (includes file setup, credit audit, and personalized action plan)

• Monthly Fee: $159, billed only after services are completed.

• SmartCredit Subscription: $24.95/month (required for report access and tracking).
Our pricing is transparent, with no hidden fees. If items are removed, you’ll receive detailed updates at no additional cost.

When you join, you’ll receive:
• A full analysis of your credit report.

• A personalized credit restoration plan.

• Ongoing education and strategies to improve your credit.

• Disputes sent to credit bureaus, creditors, and collectors on your behalf.

• Regular progress updates and actionable insights.

• Budgeting assistance and debt repayment guidance.
We’re with you every step of the way to help you take control of your credit.

Most clients find that staying in the program for at least three months is necessary to see significant results. However, some clients stay for six months to achieve their goals. We’ll guide you every step of the way.

We require all clients to enroll in SmartCredit ($24.95/month) for easy access to your credit reports. SmartCredit allows us to track your progress and maintain an accurate understanding of your credit profile.

Yes! A 3-in-1 report compiles information from all three major credit bureaus (Experian, TransUnion, and Equifax), making it easier to identify discrepancies.

Yes! We can challenge as many inaccurate or unverifiable accounts as necessary at one time. Your plan is tailored to your specific needs.

Anyone living in the same household can qualify for the family plan—you don’t need to be married.

Improving your credit score by addressing inaccuracies increases your chances of loan approval. Many of our clients achieve their homeownership goals with a better credit profile.

Yes, we challenge inaccuracies with collectors, creditors, and credit bureaus to ensure your credit report reflects accurate information.

Absolutely! You can call us at 360-312-7164. We’re here to answer any questions you have.

Yes! Take the first step click on the Get Started Today button below.

We’ll work with you to determine the next steps, including strategies to improve your score through credit building and responsible credit use.

Our services are month-to-month with no long-term commitment. You can cancel at any time.

We provide a personalized approach that includes education, credit building, budgeting assistance, and tailored strategies—not just dispute letters.