Frequently asked questions

Yes. Federal law (CROA) and Florida law cover it. A real company gives you a written contract. It explains your rights. It lets you cancel: 3 business days by federal law, 5 days by Florida law. And it never charges before the work is done.

Yes. You can dispute wrong information with Equifax, Experian and TransUnion yourself, for free. People hire us to save time and get help and follow-up in their language.

The review is free. Then there's a $149 first-round fee, charged only after your first round of disputes is sent. After that, it's $119 a month, charged after each month's work is done. Cancel anytime. Nothing up front.

The bureaus usually have 30 days to check each dispute. Many people work with us for a few months. Every case is different, so we can't promise a date.

No. Nobody can legally remove true, current information that can be proven. We dispute what is wrong, incomplete or can't be proven. Be careful with anyone who promises to "erase" your credit.

Fixing errors often helps. But we can't promise any score change. We also teach you habits that build credit over time.

Yes. We're in Miami and meet in person by appointment. Anyone in Florida can work with us by phone, WhatsApp or email.

Yes. People with an ITIN can have credit reports too. Errors on them are disputed the same way. We'll look at your case in the free review.

We can dispute collections that are wrong, listed twice or can't be proven. True collections can stay up to 7 years. Nobody can legally remove them just because you ask.

Yes. We check that the accounts in your bankruptcy show up the right way. Then we help you rebuild. Bankruptcy can stay on your report up to 10 years. We are not lawyers.

Sí. You can do everything with us in Spanish or English.