How long does the program take?
The core programs are organized around a 90-day plan. Some items depend on how long creditors and bureaus take to respond, so your timeline is explained in your written agreement. Results vary by profile.
Can you guarantee a higher score?
No. No lawful credit service can guarantee a score, a deletion or an approval. What we commit to is a clear process: a documented review, a written plan, and the steps we agreed to carry out.
Do I have to pay anything up front?
No. We do not charge for a service before it is fully performed, and the free review costs nothing. Fees for any paid service are set out in your written agreement, which you receive before you sign.
Can you remove accurate negative items?
No. Accurate, current, verifiable information can stay on your reports for the time the law allows. We help you find and challenge items that are inaccurate, outdated or cannot be verified, and we help you build positive history.
Can I do this myself for free?
Yes. You can get your reports at AnnualCreditReport.com and dispute errors directly with the bureaus at no cost. Our tools and guides show you how. Clients hire us for structure, time savings, tracking and capital planning.
What do I need to get started?
Start with the free review. We will ask for basic contact details and your goal. Later we may ask for your credit reports and, for business clients, business formation and bank documents. Please do not send Social Security numbers or passwords through the website form.
Which program should I choose, personal or business?
If your own credit drives a loan, card or lease decision, start with Personal. If you need your company to qualify on its own, or to separate your finances from the business, start with Business. Many owners need both. The free review helps decide.
Do you work with all three bureaus?
Personal reviews cover Equifax, Experian and TransUnion. Business credit reviews look at the business information that commercial reporting agencies and lenders commonly use.
Do you offer tradelines?
Not at launch. We provide education only. Purchased tradelines can carry real risks and some lenders view them negatively. See our tradeline guide.
Is my information safe?
We collect only what we need, use secure tools, and never sell your information. See our Privacy Policy.
Do you speak Spanish?
Yes. This site, our forms and our service are available in English and Spanish.
Next step
Still have questions?
Ask us. We answer in English or Spanish.
Start my free review Call (646) 951-7543