Frequently Asked Questions

Yes. You have the right under FCRA (US), CIC Act (India), and similar laws globally to dispute inaccurate information on your credit report. Credit repair is a legitimate, regulated service.

Most disputes resolve in 30–45 days. Full repair varies by profile — typically 3–6 months for significant improvement. We give you a realistic timeline during your free consultation.

No. Filing disputes does not lower your score. In rare cases, a disputed item may be temporarily marked, but the goal is removal of inaccurate negatives.

No — and anyone who does is not being honest. What we do guarantee: a full refund if a dispute we file doesn't resolve in your favor. No win, no fee.

You pay for work done, not time passing. There's no incentive for us to drag things out. Most US companies charge $79–$129/month indefinitely — we don't.

You receive a full refund for that trade's fee. No questions asked. This is our risk, not yours.

Yes. 15 minutes, no card required, no obligation. We'll tell you exactly what's fixable on your report.

Yes, for multi-trade engagements. We can discuss flexible payment options during your consultation.

To pull your credit report from the bureau. We cannot access it without your identity verification and explicit consent. Your data is encrypted in transit and at rest.

Bureaus send an OTP to your registered phone/email to authorize the report pull. We coordinate this with you — it takes 2 minutes.

Yes, you can dispute directly with bureaus. We save you time, handle complexity, know which items to target for maximum impact, and offer refund protection if a dispute fails.

Every client gets portal access where you can see active disputes, status updates, documents, score history, and messages with your analyst.

PAN/SSN is encrypted in transit (SSL) and at rest (AES-256). We comply with DPDP Act (India), GDPR principles, and FCRA data handling requirements. Your data is never shared with third parties.

We operate as a credit repair services provider. Our analysts hold FCRA/FDCPA certifications for US work. We comply with all applicable local regulations in every market we serve.