When you sign up for our service, you must choose the items appearing on your credit report you feel are incorrect, unfair, or questionable. You then can contact your creditors to demand their removal or correction. If the creditors do not fix the mistakes, you can up the pressure and give new information as to why this item should be removed from your reports. Additionally, we provide recommendations of products such as low interest credit cards, personal loans as well as auto and home loans.

The cost to access our platform is minimal compared to what a credit repair organization would ccharge which is $39.99 monthly. There are no contracts or obligations. This business model may seem bizarre because we do not charge anything for our service, but it is - we truly do not collect fees for our DIY credit repair service. Everyone should monitor their credit, and to help you, we offer an active credit monitoring account (Credit Monitoring costs $39.99). The purpose of the monitoring account is twofold. One, we need access to your credit to obtain your credit information, so you can begin working on it. And, two, it will allow them to monitor and inform you of any changes in your report as needed. The cost for credit monitoring is a small fraction of what you would pay a traditional credit repair company, and it provides you with valuable insight and tools to keep an eye on your credit and improve it. While you are free to purchase a different 3rd-party credit monitoring service, our platform is configured to automatically upload credit reports and monitoring information.

Credit Repair is a gradual process that requires, time, patience, and persistence. Many customers receive results within 30 to 45 days. The overall process can take six months to a year or longer depending on many different factors.

Because it’s a fraction of what you would pay to hire a credit repair company! Even if you purchase the outside credit monitoring service to take full advantage of our free platform, you're saving much more than if you hired a third-party credit repair company. With our AI technology, you will never have to hire a credit repair company again!

We do not delete anything from your credit reports. No one can predict that ANY item will be removed from your credit report, and we don’t make any promises that you can get anything removed from your report. We can only give you the tools to best remove the items that are inaccurate, outdated, or unverifiable. It is up to you to submit the forms you prepare from our platform to your creditors and credit bureaus; they will determine whether matters need to be corrected or removed.

Nope. Let us be clear, we do not guarantee any specific score improvement, and we definitely cannot promise you will be approved for any kind of financing. No one can. However, by sending your dispute letters to the creditors and credit bureaus yourself, you may be able to remove errors, and by removing those errors, it generally can have a positive impact on your credit score; but lenders take more than just your credit into consideration, such as income, employment, and other factors. By correcting inaccurate items in your credit report, you will likely have a better chance at securing favorable terms.

A credit report is a track record of both your personal and financial credit information. This includes information taken from public records, personal identification, and debt information.

A credit bureau - sometimes called a "consumer reporting agency" - is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

If you are in the process of trying to get financing on a home, automobile, credit card, charge card, or personal loan, any creditor you are working with has the ability to pull your credit report, but only with your permission. This is called an inquiry. Employers may also review your credit file if you are applying for a job, especially if security clearance is a requirement.

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional consumer protections regarding the fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance, verifying that the information in your credit report is correct.