Clean up your credit.Take back control.You decide every step.
We audit your report. We dispute to all 3 bureaus. One monthly price, only in months with a round.
Sample, for illustration
Illustration, not a client case or a projection. By federal law (CROA) no one can guarantee removals.
Monthly membership · Only in months with a round · No charge per deleted account · No 12-month lock-in contract · CROA compliant
What we do for your credit
Three steps. No empty promises.
Line-by-line audit
We review every account and every inquiry across all 3 bureaus (Experian, Equifax, TransUnion). We identify what's disputable and what isn't.
Certified disputes
Certified mail to each bureau using FCRA and FDCPA legal frameworks. Full tracking of each dispute until resolution.
Monthly membership
Credit repair by membership: one monthly price, charged only in the months a round of certified letters goes out. No charge per deleted account and no upfront fee. You see the exact price in the app before you start.
How it works
Why clients choose us
No 12-month contracts
Cancel anytime.
No charge per deleted account
One monthly price, only in months with a round.
We serve SSN or ITIN clients
Your immigration status doesn't stop us.
Service in your language
Every explanation, every update.
- Federal
We comply with the federal Credit Repair Organizations Act. You have the right to a written contract and to cancel at no cost: federal law gives 3 business days and Florida gives 5 days; the longer period applies.
- Florida
We operate under Florida's Credit Service Organizations Act (Florida Statute 817.7001). You have 5 days to cancel without penalty (never less than the federal 3 business days).
- Scope
We're not a law firm. We are a legally registered credit service organization.
Clear pricing. No surprises.
Credit repair by membership: one monthly price, charged only in the months a round of certified letters goes out. No charge per deleted account and no upfront fee. You see the exact price in the app before you start.
No upfront fee · No 12-month lock-in contracts · You can cancel within the period the law sets (3 business days federal or 5 days in Florida, whichever is longer).
Only have an ITIN?
We repair credit with ITIN too.
We have a dedicated guide for clients building credit history without an SSN in Florida.
Frequently asked questions
Each dispute cycle takes 30-45 days (that's the bureaus' legal response window). The total time depends on how many cycles your case needs.
Credit repair by membership: one monthly price, charged only in the months a round of certified letters goes out. No charge per deleted account and no upfront fee. You see the exact price in the app before you start.
By federal law (CROA), no one can guarantee specific results in credit repair, and neither do we. What you can expect: professional work and full transparency. You approve every letter before it goes out, and the monthly price is charged only in the months a round goes out.
We dispute accounts that have errors, incomplete information, or that don't comply with FCRA regulations. We don't dispute debts that are 100% accurate and verifiable — that would be fraud.
We work with both. ITIN works for credit repair as long as you have credit reports associated with that tax ID.
If after 3 complete dispute cycles (90-120 days) there are no removals, we tell you honestly and talk about whether it makes sense to continue. Your honesty about your situation upfront determines much of the success.
Ready to clean your credit?
Tell us about your case. No pressure. No commitment.