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!
Just click on the question to scroll down to the answer!
- How do I get started?
- What is the cost?
- Is there a charge for credit reports?
- Are upgrades ever needed?
- When should I see results?
- How many items do you dispute at a time?
- How long does the program last?
- Can I take a break?
- How do I cancel?
- Is there a charge when I cancel?
- Do you offer a guarantee?
- Is there a couples discount?
- Do we have to be married to get the couples discount?
- Can you help with outstanding debt?
How do I get started?
You can Sign Up right now. Within minutes you will receive an email with 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?
There is a one-time review/setup fee of $79 charged six days after signup. Your first monthly fee of $79 is not charged until a month later. We charge as work is completed, never in advance. You can cancel anytime with no further obligation. Sign up as a couple and enjoy our special couples pricing of $119 review/setup and $119 per month.
Learn more: Easy Cost
Is there a charge for credit reports?
No. Upon signup we will assist you in getting your free credit reports and monitoring. Credit reports and monitoring 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 credit repair 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 Credit Repair Services
When should I see results?
Our process is extremely efficient. We start fast and keep up a consistent pace throughout your membership.
If you sign up today we should have your first round of dispute letters out within a week. And since the credit bureaus have 30 days to process disputes, you should see initial results in about a month. On an ongoing basis, you should see results each month you are in the program.
How many items do you dispute at a time?
We dispute 15 items (5 items per bureau) every 35 days.
Many companies dispute far fewer items at a much slower pace. Our schedule is designed to deliver the optimal result in the shortest time.
Learn more: Faster Disputes
How long does the program last?
Everyone’s situation is different, but the average customer is with us for six months.
The duration of the program depends on the number of items that need to be disputed, as well as the responsiveness of the credit bureaus. Once you sign up we will give you a better assessment of your time frame.
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
Do you offer a guarantee?
Yes, we offer a 90 day guarantee. If you are not satisfied we will refund your money in full. No one in our business can predict a specific outcome, but we can assure you that we will do everything possible to maximize the likelihood of great results.
Learn more: The Sky Blue Guarantee
Is there a couples discount?
Yes! Half price for the second member. Wow.
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.