Most clients see measurable improvement within the first 45 days. Our full 90-day program is designed to maximize removals across all three bureaus. Complex cases with bankruptcies or judgments may take 6–12 months for full resolution.
We dispute late payments, collections, charge-offs, repossessions, medical debt, bankruptcies, judgments, tax liens, and hard inquiries. Items that are 100% accurate and verifiable cannot be legally removed we'll tell you upfront what's realistic.
We offer a money-back guarantee if we are unable to remove any negative items from your report in the first 90 days. 98% of our clients see at least one item removed within the first 30 days of service
We use soft pulls for our analysis, which do not affect your score. Our dispute process itself does not lower your score removing negative items only improves your rating over time.