Proudly based in Staten Island — serving all five boroughs and clients nationwide by phone
Under the Credit Repair Organizations Act, we're not allowed to collect a fee before agreed-upon services are performed — and we wouldn't want to work any other way.
You're never charged before we've actually performed the service — that's a legal requirement under CROA, not a courtesy.
Every cost is disclosed in a signed agreement before any work begins — no surprise line items.
You have the right to cancel within 3 business days of signing with no penalty, and can end services at any point after.
One straightforward program — no tiers to compare, no upsells.
The initial six months covers the core dispute cycle — audits, filings, and follow-up through the bureaus' response windows. After that, it runs month-to-month with no long-term contract, so you keep going only as long as it's useful to you.
$0. Under CROA, no fee can be collected before agreed-upon services have actually been performed.
A $149 initial work fee charged only after your first round of work is completed, then $99/month for a 6-month program that continues month-to-month afterward with no long-term lock-in.
Yes. You have the right to cancel within 3 business days of signing with no penalty, and can end services at any point after that.
Yes. Every cost is disclosed in a signed agreement before any work begins — there are no surprise line items.
A free consultation confirms your exact terms in writing before anything is charged.
