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FREQUENTLY ASKED QUESTIONS
Got Questions? Check out Our FAQs Below
Can I have a credit score even if I don’t have a credit card?
Yes — you don’t need a credit card to build credit. Loans like student loans, car loans, or even a mortgage can all help build your credit score as long as they’re reported to the credit bureaus.
How long will it take to fix my credit?
It usually takes 3 to 6 months to see full results, but many people start noticing changes within 30 to 60 days. It depends on how many issues are on your report and how complex they are.
How long have you been doing credit repair?
Our team has spent years helping people clean up inaccurate items, rebuild their scores, and feel confident about their credit again. (Swap in your actual number of years here.)
When do I have to pay for services?
You’ll only be charged after work has been done — never upfront. That’s not just good practice, it’s the law under the Credit Repair Organizations Act.
Will I have to pay anything upfront?
Nope. Upfront payments are illegal for credit repair. You only pay once something’s been done for you.
How much does credit repair actually cost?
Most companies charge between $79 and $149 per month, depending on how many negative items they’re helping you dispute and the level of service provided. Many will start with a free consultation, so you can get a feel before committing.
Will checking my own credit score hurt it?
Not at all. Checking your own score is a soft inquiry, which has zero effect on your credit. Only hard inquiries, like when you apply for a loan or credit card, can cause a small, temporary dip.
How can a credit repair company really help me?
Think of it like having someone in your corner. We go through your credit reports line by line, flag anything that looks wrong or unfair, and fight to get it removed or corrected. We’ll also help you build positive credit habits that actually stick.
Do you guarantee results?
No one can promise a specific score boost — and anyone who says they can isn’t being straight with you. But we do promise to follow proven steps, work hard on your behalf, and keep you informed every step of the way.
Is my personal information safe with you?
Yes. We take your privacy seriously. Your info stays fully confidential, and we follow strict federal guidelines to keep your data protected and secure.