About

Federal and state credit-reporting and consumer-protection laws may apply; your agreement includes plain-English disclosures.

No; we cannot remove accurate, timely, and verifiable information.

Disputes themselves aren’t negative events, but some lenders treat disputed items differently temporarily.

We don’t collect fees for services not yet performed; billing follows documented work.

Audit & strategy, documented dispute cycles, respectful escalation when warranted, rebuild coaching, and lender-ready steps; Black Card adds priority VIP handling.

Yes; you may cancel per your agreement and state law, and we bill only for work already performed.

No; we’re not a law firm and don’t provide legal advice.

We use your consumer rights to challenge inaccurate, incomplete, or unverifiable credit report items with documented, statute-driven work.

Complete secure intake, verify identity, authorize report access, and we map your plan and timeline.

With your authorization we access your credit data; we avoid hard inquiries for reviews unless explicitly required.