Frequently Asked Questions

The timeline varies based on your unique situation. Factors include the number of negative items, the complexity of disputes, and how quickly credit bureaus and creditors respond. Some clients see results within 30-60 days, while more complex cases may take 4-6 months. We'll provide a realistic timeline during your consultation based on your specific profile.

No. No legitimate credit repair company can guarantee specific results because credit bureaus and creditors make the final decisions. What we guarantee is our commitment to using compliance-based methods, providing honest assessments, and delivering our professional services to the best of our ability. We'll always give you realistic expectations based on your specific situation.

While not required, credit monitoring is highly recommended. It helps you track progress, stay informed of changes to your credit, and detect any new negative items quickly. We offer guidance on monitoring options during our consultation. Having active monitoring can also support the dispute process by providing documented evidence of errors.

Identity IQ is a credit monitoring service that provides access to your credit reports from all three major credit bureaus (Equifax, Experian, TransUnion). It offers score tracking, identity theft protection, and alerts for changes to your credit profile. We may receive a referral commission if you sign up through our link, at no additional cost to you.

Credit Hero is another credit monitoring option that provides ongoing credit score tracking and report access. It offers different features and pricing than Identity IQ, allowing you to choose the option that best fits your needs. We may receive a referral commission if you sign up through our link, at no additional cost to you.

We work to challenge inaccurate, unverifiable, or outdated negative items. However, we cannot guarantee removal of all negative items. Some items may be accurate and valid, and in those cases, we focus on helping you rebuild positive credit instead. We'll provide an honest assessment of what's challengeable during your profile analysis.

Yes! While we're based in New Jersey and Florida, we serve clients virtually across the United States. Our consultation calls, strategy sessions, and ongoing support are conducted remotely, making our services accessible to anyone nationwide. No matter where you are, you can benefit from our expertise.

Yes, credit repair is legal. The Credit Repair Organization Act (CROA) establishes rules that credit repair companies must follow. We operate in full compliance with these regulations. We never make false promises or guarantee specific results. We use ethical, compliance-based methods to challenge inaccurate information, which is fully within your rights under federal law.