Not at all. We are not a traditional "credit repair" company whose only service is to send disputes.

Many of our clients do not have any items they want disputed and instead enroll in our Never Denied Again Program, RealtorReady Homebuyer Program or our Business Blastoff Program. We welcome clients at all different phases in their credit journey.

When done correctly, legally and ethically, disputing items on a credit report is a complex process, but should not be a years-long struggle.

Unless a case needs to go to arbitration or litigation, then any factual, procedural or compliance error that can potentially remove an account from a credit report can be found and leveraged within a 5-6 month time frame. Certainly we have had outlier clients that needed several more months before the disputes were successful, but those are the exceptions.

We are not one of those traditional "credit repair" companies that will file unsuccessful disputes for years on end just to be able to collect their monthly fee from you. 

Unfortunately, we would consuder any company that would claim they can do this to be a scam, and warn any consumer to actively avoid them.

Two problems: first, accounts don't get removed for being "negative"; in order for any account to be removed from your credit report, there needs to be a problem with the account information, either in the factual account data, the underlying compliance data or by way of a violation of a procedural process used by the creditor, reporting data furnisher or credit reporting agency. Any company who claims their services is to remove "negative information" from your credit report is dishonest, misrepresenting the dispute process, and should not be trusted.

Second, even by pursuing legitimate means to dispute the information you believe is questionable, very rarely will a client that have all of the disputed information removed.

BUT, that is not the end of the story for OUR clients.

We can still help our clients continue to add new lines of credit and build up to better and better approvals including high-limit credit cards or homeownership, even with some accounts on their credit report that might be considered "negative". We just have to help them build their credit around those potentially harmful accounts, and then keep building until those potentially harmful accounts are no longer hurting them.

Absolutely not! Again, we would unfortunately consider any company making this claim to be a scam and should be avoided.

Here's the truth:

Your credit score is the product of a complex algorithm that is affected by several factors, and most of those are under your complete control, not ours. Little things you do can cause your credit score to drop despite any hard work we are putting in.

We could be working hard removing inaccurate information off of your credit report and helping you get approved for new lines of credit, but if you are increasing the balances on your credit cards or making your payments late, your credit score is going to drop, and that has nothing to do with the work we are doing.

Here's another news flash: removing potentially harmful accounts through the dispute process may or may not increase your credit score 🤯 It's true. Think about it: if you dispute all or most of the accounts on your credit report and they all get deleted, then you are only left with a very thin credit profile and a low score, or maybe even no score at all.

Remember, the goal is not just to "remove negative information" or to "increase your score". The goal is to help you to confidently move forward with your credit, no matter your starting point, and over time help you end up at a place where you can better manage the credit system. This is not a short sprint; this is the long game.