From free review to closed case
Here's exactly what happens at each stage, and roughly how long each one tends to take.
Free report review
We pull your report together — Equifax, Experian, and TransUnion — and walk through it with you line by line. No charge, no obligation to continue.
Case plan & signed agreement
If you decide to move forward, we put in writing exactly what we'll dispute and why, before any service begins or any fee is charged — required under credit repair law.
Disputes filed
We send written disputes to the relevant bureaus and furnishers. This starts a legal re-investigation window they're required to respond within. Bureaus generally have 30–45 days to respond.
Responses & follow-up
When a response comes back, we review it, and either close that item out or escalate with a follow-up dispute if the response was incomplete or unsupported. Ongoing per item.
Fast-moving updates
We don't sit on a case until a monthly check-in rolls around — you hear from us as soon as a response comes back or something on your file changes. As it happens, not on a fixed schedule.
You can stop anytime
There's no long-term contract. If you want to pause or cancel, you tell us and we close out the account — see our cancellation rights for the specifics.
Ready to see where your report stands?
Step one is free and comes with no obligation to continue.
Start my free review