No. Consultations are completely optional, but not required. Many clients get started and see results without ever booking a call. Once you purchase, you’ll receive clear onboarding instructions, and all communication will take place through email and our secure client portal. This allows us to stay organized, efficient, and focused on getting results—without unnecessary phone calls. If you prefer to speak with someone or want clarity before moving forward, you’re welcome to book a consultation at any time. Our team is happy to answer questions and help you decide if our services are the right fit. I've built this business to work without requiring phone calls, and our communication system ensures you’re always informed and supported.

Please allow up to 2 business days after all required documents (picture of ID, SSN, and proof of address) are received for our team to prepare and submit your disputes. Once ready, disputes are sent to the three consumer reporting agencies using a combination of electronic submissions and traditional mailed letters, depending on what is most effective for your specific situation. Once disputes are delivered, the official processing period begins. All of our clients see results within 45 days.

Remember It’s important to understand that credit repair is a process, not an overnight fix. We advocate on your behalf each month using consumer protection laws to challenge inaccurate or unverified accounts. Results require patience and consistency.

We challenge inaccurate, outdated, or unverified negative items that may be impacting your credit, including collections, charge-offs, late payments, repossessions, foreclosures, certain bankruptcies, duplicate accounts, reporting errors, and disputable inquiries—using a custom, compliance-based approach tailored to your credit profile.

Improving your score is a two step process repairing AND rebuilding. You improve your score by combining credit repair with proper credit building. Alongside removing inaccurate negative items, we provide actionable step-by-step guidance inside our Whop course that shows you exactly how to strengthen your credit—what to add, how to manage utilization, and what habits to avoid—so your score improves and stays strong long-term.

We use MyFreeScoreNow because it provides access to all three credit reports—Experian, Equifax, and TransUnion—allowing both you and our team to accurately track progress. While we do not charge a monthly fee for credit repair, MyFreeScoreNow does charge a small monthly monitoring fee to provide refreshed credit reports. When you sign up using our affiliate link you can sign up for only a 1$, and the cost is typically around $29 per month after that. To continue working on your file, it’s important that your MyFreeScoreNow account remains active and up to date. This allows us to review changes, monitor updates, and submit new dispute rounds to the credit bureaus as needed. Keeping your monitoring active ensures your credit repair process continues smoothly and without delays.

Disputes are sent in structured rounds, with updates typically occurring every 30 days as credit bureaus process responses. Some clients see early changes in as little as 1–2 weeks, while more complex profiles may take longer. The Credit Comeback Kit usually spans within 4-6 months, while the Fresh Start Accelerator can take 2-4 months, depending on the number and type of items being challenged.

Getting started is simple. Choose the service that fits your needs down below and complete your purchase. Once you’re enrolled, you’ll receive clear onboarding instructions to your email, and we’ll begin the process right away. If you have questions before getting started, you can book an optional 15 min consultation above. We’ll make sure you have the clarity you need to move forward with confidence.