FAQ

I was a victim of identity theft. Can you help?

Yes. If accounts were opened without your permission, we dispute them and work to get them removed. If you have a police report or identity theft affidavit, even better — it speeds things up.

How long will it take to see results?

Most people see changes in 30–90 days. Full results may take longer. It depends on your situation, but we start working right away. This isn't an overnight fix. It’s a process.

Can you remove any negative item from my credit?

No one can remove everything, but if something is inaccurate or can’t be verified, it has to go. That’s where we come in. We challenge the items and make the bureaus prove them.

How does disputing work?

We challenge items using federal law. The credit bureaus have 30 days to prove the info is accurate. If they can’t, they must fix it. Simple.

Can I repair my own credit?

Yes. But most people don’t have the time, patience, or knowledge to do it right. We know the laws and what works. That’s why people hire us.

Will my credit go up right away if items are removed?

Not always. It depends on what’s left on your report. But every negative item removed is a step in the right direction.

Is credit repair legal?

100% legal. The law gives you the right to challenge anything that’s inaccurate, outdated, or unverifiable. We just know how to use the law effectively.

Will paying off collections boost my score?

Not necessarily. The damage was already done. Paying it may help with future approvals, but we’ll help you decide what’s worth paying and what we can challenge.

Can you help with business credit too?

Yes. We help you build business credit that doesn’t rely on your personal credit. Whether you’re starting out or scaling up, we help you do it the right way.

What if the bureaus ignore my disputes or verify bad info?

Then we escalate. We ask for proof, file complaints if needed, and keep pushing. We don’t stop at the first “no.”

Can I still apply for credit while working with you?

You can, but we recommend waiting until disputes are done. New applications can trigger alerts or slow things down.

Do you work with all three credit bureaus?

Yes — Experian, Equifax, and TransUnion. We also go directly to creditors and collectors if needed.

How do I track my progress?

You get access to your own client portal. It shows all disputes, updates, and changes in real time. We also send you regular updates. You're never in the dark.

What happens if I cancel or pause my subscription?

All work stops. No disputes, no follow-ups. Consistency matters — if you stop, your progress stalls.

Do you offer any guarantees?

We guarantee hard work, honesty, and legal compliance. We can’t promise results (no one can), but we’ll give it everything we’ve got.

Is this a one-time fix or ongoing process?

It’s a process. Most reports need multiple rounds. We stay with you and adjust strategy as we go.

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TestimonialS

Talha P.

“I was stuck with the same credit score for years and didn’t even know credit repair was a thing. I was introduced to Carlos and he helped me erase quite a few derogatory items. My score went up over 100 points in less than 90 days.”

Steve K.

“Carlos is just excellent at what he does. He was recommended to me by my financial advisor and I was apprehensive at first. On our first phone call, he educated me on ways to improve my credit and the basics of credit repair — before I even agreed to start working together. I already referred 2 family members and would recommend him to anyone, hands down.”

Melissa M.

"His approach to educating people is so unique and powerful. Not only did he help me become a first-time home owner, he showed me how to keep my good credit long term — and that’s priceless.”

James E.

“In a matter of months, my credit score jumped over 120 points! The personalized plan and step-by-step guidance really helped me. I feel in control of my finances for the first time in a long time.”

Michael A.

“I’ve tried other services in the past, but none have been as transparent and effective. No hidden costs — just honest help that got me actual results.”

Erica P.

“The financial education provided was invaluable. Not only did my credit score go up significantly, but they also taught me how to make better decisions with my money. It’s been a game-changer!”