Frequently Asked Questions
📜Is Credit Repair legal?
Yes — credit repair is 100% legal. We operate under the Fair Credit Reporting Act (FCRA), which gives you the right to dispute inaccurate, outdated, or unverifiable items on your credit report. If the information can’t be verified within a reasonable time (usually 30 days), it must be removed.
Many reports contain errors — 79% of credit files have at least one inaccuracy. Even when an account is accurate, creditors often fail to respond properly under the law. Our job is to challenge that process, legally and aggressively.
Many reports contain errors — 79% of credit files have at least one inaccuracy. Even when an account is accurate, creditors often fail to respond properly under the law. Our job is to challenge that process, legally and aggressively.
💳How does Billing work?
We keep it simple & Compliant:
**A one time $25 Administrative Fee will be added to the first payment of all plans.
✅Choosing our "Secure The W" credit clean up plan:
1. $0 Today – No upfront fee at sign-up
You're not billed when you schedule your consultation or enroll.
2. Monthly Credit Repair Service (billed after onboarding begins)
After your free credit consultation and evaluation, we’ll begin onboarding by verifying your identity, importing your reports, and building your personalized dispute strategy. Once that work is complete, you’ll receive confirmation and be billed $169 for the first month of service and the one time $25 Administrative Fee.
The first month of expenses include full account setup, secure portal activation, in-depth credit file review by your case analyst, personalized strategy creation, and the preparation/execution of your legal disputes — all designed to position you for real results, not guesswork.
You can pause or cancel anytime with no penalty.
The price is $1,352 for 8 months of service or $1,250 if paid in full (can split into two payments but MUST be paid in full before work begins).
**Important: To work with us, you must maintain active credit monitoring with IdentityIQ ($1 for a 7 day trial, $24.99 thereafter) This is required to access your reports and track real-time progress.
✅Choosing our "Secure The W" credit clean up plan:
1. $0 Today – No upfront fee at sign-up
You're not billed when you schedule your consultation or enroll.
2. Monthly Credit Repair Service (billed after onboarding begins)
After your free credit consultation and evaluation, we’ll begin onboarding by verifying your identity, importing your reports, and building your personalized dispute strategy. Once that work is complete, you’ll receive confirmation and be billed $169 for the first month of service and the one time $25 Administrative Fee.
The first month of expenses include full account setup, secure portal activation, in-depth credit file review by your case analyst, personalized strategy creation, and the preparation/execution of your legal disputes — all designed to position you for real results, not guesswork.
You can pause or cancel anytime with no penalty.
The price is $1,352 for 8 months of service or $1,250 if paid in full (can split into two payments but MUST be paid in full before work begins).
**Important: To work with us, you must maintain active credit monitoring with IdentityIQ ($1 for a 7 day trial, $24.99 thereafter) This is required to access your reports and track real-time progress.
💡Is Credit Repair and restoration worth it?
Yes — especially if your score is below 720.
We do more than dispute items. We educate you, guide you, and help you leverage your credit profile to reach long-term goals like homeownership, business funding, or auto financing. The law is on your side — we just help you use it strategically.
We do more than dispute items. We educate you, guide you, and help you leverage your credit profile to reach long-term goals like homeownership, business funding, or auto financing. The law is on your side — we just help you use it strategically.
🧭 What happens after i enroll?
Once enrolled:
You’ll also receive guidance on steps you can take to support your credit restoration outside of disputes.
- You’ll activate credit monitoring with Identity IQ
- We'll securely verify your identity
- Your reports will be reviewed and scored
- A personalized strategy will be created
- Dispute prep begins and your portal is activated
You’ll also receive guidance on steps you can take to support your credit restoration outside of disputes.
🤔How long will it take to raise my score?
While timelines vary by profile, our data shows:
While this can deliver a strong initial boost by removing harmful, unauthorized accounts, it’s just one piece of the puzzle. You’ll still need to rebuild your credit profile with the right mix of accounts, payment history, and credit utilization to reach long-term goals like home or car approval. We’ll guide you on exactly how to do that after cleanup.
- 93% of clients see a 10+ point increase in 35 days
- 80-point average increase over 6 months
- 52% of clients see a 50+ point boost in 90 days
While this can deliver a strong initial boost by removing harmful, unauthorized accounts, it’s just one piece of the puzzle. You’ll still need to rebuild your credit profile with the right mix of accounts, payment history, and credit utilization to reach long-term goals like home or car approval. We’ll guide you on exactly how to do that after cleanup.
🔁Can removed items come back?
In most cases, no. Once a negative item is deleted, it typically stays gone — especially if it’s outdated, paid, or resolved at the time of deletion. Rare exceptions may occur if new account activity triggers re-reporting.
🧨 What can you help remove and improve?
Our clients have had success removing or improving:
- Late payments
- Collections & charge-offs
- Medical bills
- Repossessions
- Inquiries
- Bankruptcies
- Judgments
- Student loans
- Foreclosures
- Tax liens
- Outdated addresses
- Credit card debt errors
📊Why are your results different?
We combine strategy, compliance, and real advocacy.
We don’t spam bureaus with templates. We target legally weak points in their documentation process. On average, 70% of negative items are removed for our clients, and we work until your file is as clean — and strong — as possible.
We don’t spam bureaus with templates. We target legally weak points in their documentation process. On average, 70% of negative items are removed for our clients, and we work until your file is as clean — and strong — as possible.
🔐Do you offer a guarantee?
Yes. We offer a 100% money-back guarantee if, after 12 months, we haven’t removed at least 25% of the negative items you enrolled with — provided you’ve followed the process and not added new negative accounts.
Ready to Secure the W?
We don’t play about your future — and we don’t waste time.
If you're serious about fixing your credit, we’re serious about helping you win.
We don’t play about your future — and we don’t waste time.
If you're serious about fixing your credit, we’re serious about helping you win.