How long does the credit restoration process take?
Every situation is different, but most clients begin seeing changes within the first 30-60 days. The full process typically takes 3-6 months depending on the complexity of your credit profile.
What makes you different from other credit repair companies?
We use AI-powered analysis, strategic dispute frameworks, and Metro2 compliance reviews instead of generic template letters. Each account may be challenged up to 9 different ways, and we send disputes via fax for faster results.
Do I need a credit monitoring service?
Yes — we need access to your full credit report to analyze your accounts. If you don't have one, we provide a link to order your report before your consultation.
Is credit repair legal?
Absolutely. Under the Fair Credit Reporting Act (FCRA), you have every right to dispute inaccurate, unfair, or unverifiable information on your credit reports.
What if I've been denied for a loan or mortgage?
That's exactly why we're here. Phillip started in the mortgage industry watching clients get denied because of credit issues. Our process is designed to get you to approval.
Can I make payments instead of paying all at once?
Yes — we offer three pricing options: one-time payment of $997, two payments of $550, or four payments of $300. Same service regardless of which plan you choose.
What happens on the consultation call?
Phillip will review your credit report with you, identify every negative item affecting your score, explain exactly how we'd approach your case, and answer all your questions. No pressure — just a real game plan.
