Credit repair that tells you the truth.
Realistic timelines, no 30-day fantasy, and everything billed after the work is done. Every competitor sells speed — we sell truth.
Four steps, no surprises.
Written contract, 3-day right to cancel. No work starts before this.
3-bureau pull from IdentityIQ, SmartCredit, MyScoreIQ, or an AnnualCreditReport PDF.
Field-by-field, bureau-by-bureau — only real contradictions, never a guess.
A package-tracking view of each dispute round, start to finish.
We won't oversell you.
Honest expectation-setting is the product. Here's the truth other credit repair companies won't lead with.
A realistic Round 1 might clear 8 of 21 accounts — not all 21. We tell you the range up front, not after you've paid for false hope.
Large, recent, real debt is a 12–18 month arc: stop new lates, dispute the cleanable items, then settle the big ones. Anyone promising 30 days is selling a fantasy.
If a late payment is genuinely yours and accurate, no letter removes it lawfully. The real paths are goodwill requests and time — we'll tell you which applies.
Pay only for work that's done.
Full dispute rounds, analysis, tracking, and Letter Decoder included. Billed AFTER each round's work is done — never upfront.
We print, envelope, and send every letter certified mail with tracking — receipts logged to your timeline. Or mail them yourself for free with our PDFs.
SmartCredit partner monitoring, passed through at cost. Auto-refreshes monthly so deletions are detected the moment they happen.
Not on a plan? Translate any bureau letter to plain English, pay after you read it.
You and your friend each get a month free when their Round 1 completes.
Ready for the honest version of credit repair?
Sign the agreement, upload your report, and see your real game plan within 24 hours — nothing billed until work is done.