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No. A consultation is not required to enroll in our credit repair program.
Our service is fully done-for-you. Once you enroll, you’ll receive clear onboarding instructions and secure access to your client portal. Our team works behind the scenes to execute your credit repair, and all updates and communication are provided through email and the client portal so we can stay focused on results.
For clients who want additional clarity, planning support, or approval strategy, optional paid strategy calls are available. These calls are not required for credit repair services.
Strategy calls are designed for:
•Credit readiness review
•Approval planning (auto, home, funding)
•Next-step guidance
A current credit report is required for all strategy calls.
Most clients begin seeing noticeable improvements within 30 to 90 days.
Timelines depend on factors such as:
1. The number of negative items
2. How recent or severe those items are
3. Credit bureau response times
We begin working on your file as soon as onboarding is complete.
We dispute closed negative accounts that may be inaccurate, incomplete, outdated, or unverifiable.
We do not:
Create false information
Remove accurate, verified, or current obligations
All work is done using consumer protection laws and compliant credit repair practices.
We guide you on:
Reducing utilization
Adding positive credit activity (when appropriate)
Avoiding common mistakes that slow progress
Credit repair works best when strategy + behavior are aligned — we help with both.
We use MyFreeScoreNow so both you and our team can securely access your full credit reports from Experian, Equifax, and TransUnion.
MyFreeScoreNow charges a separate monthly fee of $29.90 for ongoing access to refreshed credit reports and scores. This service is required while you are enrolled so we can:
1. Monitor changes to your credit file
2. Identify updates and responses from the bureaus
3. Send accurate dispute rounds each month
You must remain active and up to date with your MyFreeScoreNow account for us to continue working on your credit file. This ensures transparency and allows you to track progress in real time.
Once all onboarding information has been received, please allow up to 2 business days for us to prepare and send your first dispute round to the three consumer reporting agencies (Experian, Equifax, and TransUnion). Once disputes are delivered, official processing time begins.
Your enrollment includes 6 dispute rounds, which typically spans up to 6 months. Each round is strategically timed to allow bureaus to investigate and respond before the next action is taken.
While every credit file is different, many clients begin seeing results within the first 30–90 days, with continued progress throughout the program.




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