Yes! Credit repair is 100% legal under the Fair Credit Reporting Act (FCRA). You have the legal right to dispute inaccurate, incomplete, or unverifiable information on your credit report. We follow all federal and state laws, including CROA (Credit Repair Organizations Act)

By law, we cannot guarantee specific credit score increases or that all negative items will be removed. What we guarantee: honest assessment, strategic approach, full legal compliance, complete transparency, and our 90-day guarantee—if we don't remove at least one inaccurate item in 90 days, you get a full refund.

Most clients see their first results within 60-90 days. Credit bureaus have 30-45 days to investigate disputes, so results don't happen overnight. Complete credit repair typically takes 3-12 months depending on your individual situation. We'll give you a realistic timeline during your free consultation.

Yes! You absolutely can dispute credit errors yourself at no cost. However, most people hire us because: (1) We know exactly what to dispute and how, (2) We handle all paperwork and follow-ups, (3) We understand FCRA laws and bureau procedures inside-out, (4) You save 50+ hours of work, and (5) Strategic disputes get better results than random ones.

No! Federal law (CROA) strictly prohibits credit repair companies from charging advance fees. We charge monthly fees AFTER we've performed services each month. You can cancel anytime with 30 days' notice. No long-term contracts, no hidden fees.