Common Client Questions & Answers

Q: When will I see results?

Results begin appearing after the first dispute round is processed, typically 30-45 days after enrollment. The credit bureaus have 30 days to respond to disputes. Most clients see initial removals in round 1-2, with the most significant improvements in rounds 2-3. Keep in mind that the speed of results depends on the types of items on your report, your creditors' response times, and how many items need to be disputed. We'll update you after every round with your results.

Q: Why did my score go down after signing up?

It's normal for scores to fluctuate slightly during the dispute process. When we submit disputes, bureaus may temporarily mark items as "in dispute" which can cause minor fluctuations. This is temporary and resolves once the dispute is processed. Focus on the long-term trend, not day-to-day changes.

Q: How does the credit repair process work?

Here's a simple overview of our process: 1. Enrollment — You sign up and complete your credit analysis intake 2. Report Pull — We access your credit reports through SmartCredit (read-only) 3. Dispute Strategy — Our analysts identify inaccurate, unverifiable, or negative items 4. Letter Generation — We create dispute letters for targeted items 5. Bureau Processing — Bureaus have 30 days to respond 6. Results Update — We update you with removals and next steps 7. Repeat — We continue rounds until your goals are met

Q: What items can you remove?

We work on removing: collections, charge-offs, late payments, hard inquiries, medical debt, repossessions, bankruptcies, and judgments. Results vary by item type — collections and charge-offs are often the most removable. Late payments on active accounts are the most difficult. We cannot: remove accurate, verifiable information that creditors will verify on dispute.

Q: What's the difference between SmartCredit and my other monitoring app?

SmartCredit provides FICO scores — the scores lenders actually use when making credit decisions. Apps like Credit Karma use VantageScore, which is calculated differently. Your FICO score is the most relevant for getting approved for loans, mortgages, and cards. We use SmartCredit as the primary tool to track your progress because it gives us the most accurate, lender-relevant view of your credit.

Q: Can I cancel anytime?

Yes. You can cancel at any time. Under the Credit Repair Organizations Act (CROA), you also have the right to cancel within 3 business days of signing your service agreement for a full refund. After that period, refund eligibility depends on the stage of service. Please contact us and we'll walk you through the cancellation process.