Here is a selection of our most frequently asked questions. If you can’t find the answer you are looking for just go to our Contact page and send your question over or give us a call. We are easy to talk to!
How do I get started?
You can Sign Up right now and then follow our easy instructions on getting your free credit reports. Once we have your reports we will complete our analysis and start the dispute process.
Learn more: How it Works
What is the cost?
Your first payment will be six days after enrollment. Monthly recurring charges begin a month later.
Learn more: Member Pricing
Is there a charge for credit reports?
No. Upon signup we will assist you in getting your free credit reports. Credit reports are from third-party providers, they are always free, there is no trial period, and getting them will never harm your scores.
Are upgrades ever needed?
No. You will never need to pay more for extra services. If you need it, we’ve got you covered.
Our services include a detailed analysis to note the issues that are harming your credit, personalized credit score improvement tips, ongoing dispute letters sent to the credit bureaus – and more!
Learn more: Our Services
What is your dispute cycle?
We use a 35-day dispute cycle, which is at least 10 days faster than other companies.
Learn more: Faster Disputes
How long does the program last?
You may utilize our service for as long as you feel you are getting value from us. There is no minimum membership duration.
Learn more: How Long Does it Take?
Can I take a break?
Of course. We are not here to add stress to your life, or your budget. You may pause, resume, and even select your own billing date with the click of a button in your account, or with a call to us.
How do I cancel?
Easy. Just let us know through the Message Center in your account, or by email or phone.
Is there a charge when I cancel?
When you cancel, there are no more charges, no per diems, no surprises.
Learn more: Best in Class Support
Is there a couples discount?
Yes! We have a big couples discount!
Learn more: Member Pricing
Do we have to be married to get the couples discount?
You do not have to be married to get the discount. If you live together and pay together we invite you to sign up as a couple.
Can you help with outstanding debt?
We always examine each account to determine the correctness of the reporting, but our program does not provide a remedy for legitimate debt.
Learn more: Is Sky Blue Right For You?