Every file is different. We work in rounds that follow the credit bureaus’ investigation timelines. The

number of rounds needed depends on your history, the number of accounts, and how complex your

situation is. We do not promise results by a specific date or within a set number of months.

No. Credit results depend on your past history, current balances, new activity, and decisions made by

third parties such as credit bureaus, lenders, and collection agencies. Our role is to challenge negative,

inaccurate, or unverifiable reporting, help you structure your profile the right way, and give you a clear

strategy going forward. We do not guarantee specific score increases or outcomes.

We focus on items that are negative and blocking approvals, such as late payments, collections,

charge-offs, repossessions, closed accounts with negative history, bankruptcies (through our

bankruptcy reporting challenge service), and ChexSystems / Early Warning Services (EWS) issues

(through our separate service). Each item is reviewed and challenged based on accuracy, reporting

standards, and your overall strategy.

This is a done-for-you service. Our team handles the dispute process and strategy for you. You will still

need to provide accurate information, upload requested documents on time, and follow the spending

and utilization guidelines we give you. We handle the heavy lifting; you handle communication and

cooperation.