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100% online. Once you're in, the transformation begins.
Select the plan that fits your credit situation and lock in your spot today. Enrollment is quick, simple, and 100% online. Once you're in, the transformation begins.
This step is mandatory before we can begin working your file. Credit monitoring must be activated immediately after purchase. Without it, we have no way to access or dispute your report.
This step is mandatory before we can begin working your file. Credit monitoring must be activated immediately after purchase. Without it, we have no way to access or dispute your report.
Monitoring not activated
Onboarding & completed
Documents not submitted
Check your email immediately after purchase and complete your onboarding form. All required documents must be submitted before we begin working your file. Do not delay your timeline starts here.
Acceptabie tarms: • bank statement •Lease or mortgage statement
Once monitoring is active and onboarding is complete, our team gets to work immediately aggressively challenging every negative item on your report. We handle the entire process. You just watch the results roll in.

BEST FOR
✓ Ideal for profiles with a smaller
number of accounts needing
removal
✓ Dispute of ALL negative items Late
Payments, Collections, Charge Offs,
Inquiries, Repos, Bankruptcy, MedicalBills, Child Support, Student Loans
✓ All 3 Bureaus
✓ Credit Updates Every 35 Days
✓ Free Credit Action Plan
✓ Credit Education
✓ 24/7 Access to Client Portal
Requirernents (applies to all plans):
SmartCredit ($39/month) must remain active for the entire duration Of service
Active credit monitoring required to begin and maintain service
All documents and onboarding must be completed to begin
Timely responses to onboarding questions required
VISA
MC
AMEX
DISC

BEST FOR
✓ Ideal for profiles with a moderate
number of accounts needing
removal
✓ Dispute of ALL negative items Late
Payments, Collections, Charge Offs,
Inquiries, Repos, Bankruptcy, Medical
Bills, Child Support, Student Loans
✓ All 3 Bureaus
✓ Credit Updates Every 35 Days
✓ Free Credit Action Plan
✓ Credit Education
✓ 24/7 Access to Client Portal
Requirernents (applies to all plans):
SmartCredit ($39/month) must remain active for the entire duration Of service
Active credit monitoring required to begin and maintain service. All documents and onboarding must be completed to begin. Timely responses to onboarding questions required
VISA
MC
AMEX
DISC

BEST FOR
✓ Ideal for profiles with a high
volume of accounts needing
removal
✓ Dispute of ALL negative items Late
Payments, Collections, Charge Offs,
Inquiries, Repos, Bankruptcy, Medical
Bills, Child Support, Student Loans
✓ Unlimited Aggressive Dispute
Rounds, No Stopping Point
✓ All 3 Bureaus
✓ Credit Updates Every 35 Days
✓ Free Credit Action Plan
✓ 24/7 Access to Client Portal
Requirernents (applies to all plans):
SmartCredit ($39/month) must remain active for the entire duration Of service
Active credit monitoring required to begin and maintain service. All documents and onboarding must be completed to begin. Timely responses to onboarding questions required
VISA
MC
AMEX
DISC












473-point increase across all three bureaus
35 negative items removed
32 strategic disputes executed
Reduced to only 5 remaining negative items
Credit profile optimized for approval
Successfully purchased a vehicle in 30 days


375-point increase across all three bureaus
20 negative items removed
Repossession deleted
Credit profile optimized in 30 days
Approved for a $10,000 American Express card
Positioned for future funding opportunities


369-point increase across all three bureaus
40 negative items removed
23 strategic disputes executed
Reduced to only 5 remaining negative items
Credit profile optimized for mortgage approval
Met lender requirements
Purchased his home in 120 days


Increased Experian score to 799 (+162 points)
Increased TransUnion score to 799 (+187 points)
Increased Equifax score to 658 (+29 points)
Removed 27 total negative items, including multiple student loan accounts
Corrected inaccurate reporting using a strategic, compliance-based approach
Positioned with a near-perfect credit profile for premium approvals and funding opportunities


Equifax: 549 → 704 (+155 points)
Experian: 550 → 731 (+181 points)
TransUnion: 691 → 724 (+33 points)
16 negative items removed
Credit profile optimized
Secured funding
Approved for a DSCR loan
Purchased his first investment property under his LLC


Credit score increased to 789
Removed inaccurate negative items
Optimized credit profile for lender approval
Approved for $30,187 in vehicle financing
Locked in a 6.57% interest rate over 72 months
Drove off the lot in under 30 days
Avoided high-interest financing through strategic credit optimization







No. A consultation is NOT required to move forward. Your onboarding and all communication will be handled through email and your secure client portal. If you’d like to speak with someone before enrolling, consultations are available, but most clients jump straight in and let the results do the talking.
We dispute and work to remove a wide range of negative accounts including: Collections, Hard Inquiries, Charge-Offs, Repossessions, Late Payments, Medical Debt, Bankruptcies, Foreclosures, Evictions, Judgements, Child Support Reporting, and more. Every credit profile is unique, but we target every eligible item aggressively and strategically.
Every credit profile is different, so there's no one-size-fits-all timeline. However, many of our clients begin seeing movement within the first 30–45 days. Even if results take a bit longer, that doesn't mean progress isn't happening behind the scenes. Our team disputes consistently, monitors your file closely, and keeps you updated every step of the way.
It's simple, choose your plan, enroll online, and complete your onboarding. Once your documents are submitted and your credit monitoring is active, we get to work immediately. Your client portal will track every update, every deletion, and every milestone in real time.
Most clients begin seeing movement within the first 15–30 days. The full process typically runs 3–6 months depending on the complexity of your profile. Clients on the Challenging (Unlimited) plan continue receiving dispute rounds until their profile is where it needs to be, no stopping point.
We strategically challenge inaccurate, outdated, and unverifiable items on your report. While no company can legally guarantee specific deletions, our proven dispute process is designed to maximize removals. Every plan is also backed by our 90-Day Money Back Guarantee if no deletions are made.
As negative items are removed and your profile is optimized, most clients see significant score increases. Our real client case studies show improvements of 100–200+ points in as little as 30 days. Results vary based on your individual profile.
Many clients begin seeing their first deletions and score changes within 30–45 days after their first round of disputes is sent. Every credit profile is unique, so timelines vary, but we work aggressively from day one and keep you informed throughout the entire process.
Absolutely. We operate fully under federal consumer protection laws including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Every dispute we file uses legal processes that are available to every consumer. Our approach is 100% compliant, transparent, and ethical.
