Common Client Questions & Answers

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"Can I See the Contract Before I Pay?"

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the questions that come up most frequently from clients at every stage of the credit repair process. Each answer is written

How to beHandle clear, empathetic, and CROA-compliant. CSRs should study this page thoroughly so answers flow naturally on calls and in messages.

Program and Process Questions

Q: How long does the credit repair process take?This

The

timelineDo dependsNOT onpush severalback. factorsClients including the number of items we need to dispute and how quickly the credit bureaus respond. Many of our clients start seeing positive changes within 30 to 40 days after the first round, buthave a fullfederal credit improvement process typically takes anywhere from 2 to 8 months - sometimes shorter or longer depending on the complexity of your file.

We will keep you updated throughout the entire process and send you results via email after each round. Results vary based on individual credit profiles and are not guaranteed.

Q: When will I see my first results?

We just sent out your first round of disputes and are now in the investigation phase. The bureaus have 30 to 35 days to respond to our disputes. By the end of that period, we will do a full update on your report and send you the verified results. Near the halfway point you may beginright to receive maila fromwritten disclosure and contract before paying. This is a reasonable request.

Let them know you will send it. Say: "Absolutely — I will have our team send over the bureausservice -agreement for you to review. Once you have had a chance to look it over, we can uploadreconnect thoseand lettersget you started." Escalate to your team lead or billing to send the contract template. Tag @Billing Team in #customer-support on Discord with the client portalname orand forwardrequest. Follow up within 24 hours. Do not let this go cold — schedule a callback to walk them tothrough usany directly.

questions.

Q:Key WhatCROA exactlyReminders

The contract must be signed by Crowned Advisors Inc. (our legal entity name) Clients have a 3-business-day cancellation right after signing — this must be disclosed A separate written disclosure statement must be provided before the contract is beingsigned disputed?See

Ourthe disputeCROA teamRequirements reviewswiki yourpage for full creditdetails

report across all three bureaus and identifies items that are inaccurate, unverifiable, or that may be challengeable under the Fair Credit Reporting Act. This includes late payments, collections, charge-offs, repossessions, bankruptcies, and other negative items.

We⚠️ prepareTeam dispute letters for each item and submit them to the appropriate bureaus. Once the bureaus complete their investigation, they are required to remove or correct any item that cannot be verified.

Q: Do I need to do anything during the process?

Yes, there are a few things that make a big difference. Keep your credit card balances below 30% of each card limit. Make all payments on time during the program. Avoid applying for new credit unless absolutely necessary. Keep your credit monitoring account active and connected.Leads: If you receive any letters from the credit bureaus, upload them to your client portal or send them to us right away. Outside of that, we handle the dispute work on your behalf.

Q: How do I check my progress?

You can check your progress anytime by logging into your client portal at https://getcrownedcredit.scorexer.com/Portal/login.jsp or through the Credit Tracker mobile app. Your portal shows your current dispute status, previous round results, and score history. We also send you a results email after each completed round. If you are not receiving emails, please check your spam folder or let us know and we will resend.

Score and Credit Report Questions

Q: My score on Credit Karma is different from what you show. Why?

Credit Karma uses VantageScore while our credit monitoring platform provides your FICO score - the industry standard that lenders actually use when making credit decisions. These two scoring models weigh factors differently which is why you may see different numbers. The scores we track for your progress are your FICO scores as those are most relevant for your real-world goals. Both scores should improve as we remove negative items, but they may never match exactly due to the different models.

Q: Why did my score go down?

Score fluctuations during the dispute process are actually very common. When bureaus are actively processing disputes, scores can temporarily dip before they rebound. Other common reasons include increased credit utilization, new inquiries if you applied for something, or timing of when creditors report to the bureaus. At this stage, we will need to wait for your next updated credit report to fully verify what happened. In the meantime, please avoid applying for any new credit, keep card balances below 30%, and make all payments on time.

Q: When will my score update?

We update your credit report through the monitoring platform every 30 to 35 days. This timing allows us to wait until disputes are fully processed since scores can fluctuate during active investigation periods. Your next update is due in approximately [X] days. You will receive an email notification with results as soon as it is available, and it will also appear in your client portal.

Q: Are the removals permanent?

Generally, removals are permanent as long as the bureaus do not receiveknow newwhere informationthe thatcurrent wouldcontract causetemplate themis stored or how to reinsert the account. For example, if a creditor verifies the debt and resubmitssend it, thereescalate to management immediately. This is a chancecompliance it could reappear. That said, we monitor your file throughout your program and would address any reinsertions during ongoing dispute rounds. Creditors are also legally required to notify you before reinserting any previously removed item.

Billing and Payments Questions

Q: What payment methods do you accept?

We accept Visa, Mastercard, Zelle ([billing email — see admin]), or Cash App (https://cash.app/[payment handle — see admin]). Amex and Discover arerequirement, not acceptedoptional.

at this time.

Q: Can I change my billing date?

Yes, we can adjust your billing date to a day of the month that works better for you. Just let us know what date you prefer and our billing team will update it. Please give us at least 3 days notice before your current billing date to ensure the change takes effect before the next charge.

Q: Why am I still getting payment reminders after I arranged an extension?

Those payment reminders are system-generated and will stop automatically once your payment has been processed. Your extension has been noted in our system. You can disregard those automated messages and rest assured your account is in good standing based on our agreement. Thank you for your patience!

Account and Portal Questions

Q: I cannot log into my portal. What do I do?

Here are your login credentials for the client portal. You can log in at https://getcrownedcredit.scorexer.com/Portal/login.jsp or through the Credit Tracker app. Username: [INSERT]. Password: [Set during onboarding — check DisputeFox for client-specific credentials]. If you are still having trouble, try the password reset option on the login page. Let us know if you continue to have issues and we will help troubleshoot.

Q: What is your phone number or address?

You can reach us by phone or text at (336) 310-0090 or by email at [billing email — see admin]. We do not accept physical mail as we keep all records digital for fast and secure access.

Q: I received a letter from the bureau. What do I do with it?

Good news - you can just keep that letter for your records. No action is needed on your end. If you would like us to review it, you can upload it to your client portal or take a photo and text it to this number. We have forwarded the relevant information to our dispute team and they will take it into consideration for the next round.

Referral and Feedback Questions

Q: How does the referral program work?

Thank you for asking! If you refer someone to Crowned Credit, just send us their name, email address, and phone number. One of our consultants will reach out to schedule a call. Once they sign up and their payment clears, you will receive a referral bonus - either sent directly to you via Zelle or Cash App, or applied as a credit toward your next monthly payment. Thank you for spreading the word - it means a lot to our team!

Q: Can I leave a review?

We would absolutely love that! If you are happy with your experience so far, a quick 5-star Google review goes a long way in helping others find us. You can leave a review here: https://g.page/r/CfPImaASkEdlEAI/review - Thank you so much for your support!

Results vary based on individual credit profiles and are not guaranteed.