How it works
The whole process, with the real clock on it
No mystery, no “proprietary system.” Here is what happens in each phase, how long the law says it takes, and — because honesty is the product — which parts you could do yourself for free.
The six phases of an engagement
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Week 1
The free review
Sixty to ninety minutes with a counselor. We pull your reports from all three bureaus — using the free, federally authorized annual-report source, the same one you can use yourself — and read them line by line. Every negative item gets a tag: inaccurate, unverifiable, outdated, or accurate. You leave with a written plan either way. No fee, no obligation, no pitch script.
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Days 2–5
You decide — slowly, on purpose
If repair makes sense, you get a written contract listing exactly what we’ll do, what it costs, and how long it realistically takes. Federal law gives you three business days to cancel after signing, no questions asked. Nothing is owed yet, because nothing has been done yet.
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Weeks 1–2
Round one: disputes go out
We draft individual disputes — to the credit bureaus and, where it’s stronger, directly to the company that reported the item — each with its specific reason and your supporting documents attached. No form-letter blasts: bureaus are allowed to dismiss disputes they deem frivolous, and template spam earns exactly that.
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30–45 days
The bureaus investigate — the law’s clock, not ours
Under the Fair Credit Reporting Act, a bureau generally has 30 days to investigate (45 in some cases), then about five business days to send results. Nothing anyone does speeds this up. Any company that promises faster is promising to break physics or the law.
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Months 2–3
Results, then round two — with better evidence
Items come back corrected, deleted, or “verified accurate.” We walk you through all three piles. Where a verification looks wrong, we escalate with more documentation. Where the item is simply accurate, we say so and stop — re-disputing accurate items wastes your money.
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Months 3–6
Finish, rebuild, and leave
Remaining rounds wrap up, and the work shifts to what actually raises scores over time: on-time payments, lower utilization, and patience. You get a rebuild plan you can run without us. Most clients are done in three to six months — and we end the engagement, not stretch it.
Why the clock can’t be beaten
Under the Fair Credit Reporting Act, credit bureaus generally have 30 days to investigate a dispute — 45 in some cases — plus about five business days to report results. That clock applies to us, to you filing on your own, and to every company promising “rapid” anything. A firm advertising results faster than its legal minimum is telling you something important about its other claims.
Radical bookkeeping
Every month, a report — then the invoice
At the end of each month you receive a written account of the month that just happened — and only then a bill for it. Here’s the shape of it (illustrative):
Month 2 — activity report
Sample format
- Disputes sent
- 6 — four to bureaus, two directly to furnishers, each with its documented reason
- Results received
- Round-one outcomes: 2 items deleted, 1 balance corrected, 3 verified accurate (we explain what that means for each)
- Next month
- Escalate one wrongly verified item with new records; stop pursuing the accurate ones — that money is better in your pocket
- Invoice
- $89 — for the month above, now that it’s done
Set your expectations
How long, honestly?
6–8 weeks
One full dispute round, end to end — drafting, the bureaus’ 30–45 day investigation, and results in writing.
3–6 months
A typical engagement: two to four rounds, then a rebuild plan you run yourself. We end it when the useful work ends.
Longer
Identity-theft cleanups and tangled files can take more. We say so at the review, not at month five — and you can cancel anytime.
Start with the free review. Even if you never hire us.
Sixty to ninety minutes, all three reports, every line tagged honestly. You leave with a written plan — and about one in four people leave with our advice not to hire anyone at all.
Free means free — no card, no contract, no “activation.” Charging before work is done is illegal, and we wouldn’t anyway.