Read the chapter
Start with the law, the report, and the difference between a legitimate dispute and a promise nobody can keep.
The process
Know what happens before you say yes.
Credit repair should be understandable. Here is the whole process, from learning the basics to reviewing the work.
Talk with Rob
The consultation is free. We look at your report together and decide whether repair, building, or simply paying down balances is the honest next step.
Review the agreement
Before any work, you receive a written agreement and required disclosures. You have three business days to cancel.
Track the work
Legitimate disputes often move in rounds of 30 to 45 days. Your portal shows status and completed work. Credit report and dispute details remain in the secure Credit Repair Cloud portal.
What happens after the consultation
If there is nothing worth disputing, we tell you. If there is, the written agreement explains the exact work and billing method. Nothing starts until you understand it.
We challenge only information that is inaccurate, incomplete, or cannot be verified. Each dispute is based on the actual report. We do not send blanket disputes or challenge accurate debt.
You see what has been completed and what is still waiting on a bureau or furnisher. Billing happens only after a confirmed result or an agreed block of work is complete.
What we won't do
- We won't promise a score.
- We won't remove accurate debt.
- We won't charge before the work is done.