Straight answers
Questions deserve honest answers.
Can you remove accurate negative items?
No. No one can legally promise that. We challenge information that is inaccurate, incomplete, or cannot be verified.
Do you guarantee results?
No. Results vary. We promise honest work, a clear process, and accurate billing.
Why is there no upfront fee?
Federal law prohibits advance payment for credit repair work. It is also how the work should be done.
Can I do this myself?
Yes. You can dispute items yourself for free. Our book shows you how. We are here if you would rather have help.
How long does it take?
Dispute rounds commonly take 30 to 45 days. The full timeline depends on your report and the responses.
Will you help if I do not need repair?
Yes. Sometimes the honest answer is to focus on balances or positive history. We will point you toward the better fit.
Is my information safe?
We collect only what we need for this site. Sensitive report and dispute information belongs in the secure Credit Repair Cloud portal. Read our privacy policy.
What is the difference between repair and building?
Repair addresses inaccurate, incomplete, or unverifiable information. Building adds new, positive payment history.
Do you offer payment plans?
Billing happens after work is completed. The available pricing structures are explained on the pricing page.
Do you work with people outside Arizona?
Service availability outside Arizona is still being confirmed. Contact us and we will give you a direct answer for your state.
What do I need for the consultation?
Your free annual reports from AnnualCreditReport.com are helpful. If you do not have them, we can explain how to get them.
How do I cancel?
Your written agreement explains cancellation. You also receive a three-business-day right to cancel after signing.