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Your credit score is based primarily on payment history and credit utilization, which together make up nearly two thirds of a typical FICO score. The rest comes from the length of your credit history, your credit mix, and recent credit inquiries.
We start with a full review of your credit file across all three bureaus, identify what's inaccurate or worth challenging, and handle the dispute and goodwill correspondence on your behalf. You'll get updated copies of your report as things change.
There's no fixed timeline. Every credit file is different, and results depend on what's actually being challenged. Some clients see changes within a few weeks, others take a few months.
Yes. We review your credit file with you and give you a straightforward cost estimate before anything begins, with no obligation to move forward.
Industry estimates generally run about $50 to $150 per month, often with a one-time setup or first-work fee, but the actual cost depends on your situation. We review your file for free and give you a straightforward estimate before anything begins. See our full guide to credit repair costs.
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