Learn about credit. Improve your score. Fix it for life.

Absolutely. Credit repair is your legal right under the Fair Credit Reporting Act (FCRA). We educate you on your rights, identify inaccurate or unverifiable items, and guide you through disputing them properly. We're Oregon licensed and bonded, following all federal (CROA) and state (ORS 697) regulations.

It depends on your specific report. Most clients see meaningful improvement within 30–60 days, but some issues take longer. During your free call, we'll give you a realistic timeline based on your situation. We will never guarantee a specific score increase — anyone who does is a red flag.

No — and that's intentional. If anyone guarantees a specific score increase, that's a major red flag. What we guarantee is a clear, expert-built action plan, a deep understanding of how your credit works, and a real person alongside you every step of the way. The vast majority of our clients see significant improvement.

Credit Karma shows you your score and sells you financial products. We analyze your full 3-bureau report, teach you exactly what's hurting your score, build a custom action plan, coach you through collector conversations, and support you through the entire process. Think of it as the difference between a thermometer and a doctor.

Big companies file mass disputes and hope for the best — you never talk to the same person twice and you learn nothing. Our approach is completely different: we teach you how credit works so improvements last forever, and a real person works with you every step. We're licensed, we've been doing this for 6 years, and every single review is five stars.

It means before we do any repair work, we sit down with you and teach you how credit scoring works — FICO factors, utilization, payment history, how collections affect your score, your rights under federal law. You'll understand why each item on your action plan matters, not just what to do. Clients who understand their credit maintain their improvements long-term.

Yes — all our sessions are conducted via Google Meet video calls. This lets us work with clients across Oregon and beyond, and means you can meet with us from anywhere comfortable. Screen sharing lets us walk through your credit reports together in real time, which is actually more effective than sitting across a desk.

That's completely fine. No contract, no commitment. Many clients accomplish what they need in a single month. You'll walk away with your education, your action plan, and the knowledge to maintain your credit long-term — whether you continue working with us or not.

Yes — we work with clients nationwide via remote Google Meet sessions. The process and quality of service is exactly the same regardless of where you're located.

Just book a free 15-minute call. After that, we'll ask you to pull your free credit reports from AnnualCreditReport.com (this does NOT impact your score). You'll download all 3 bureau reports and share them with us. That's it — we handle the rest.

During your 30-day service period, you can reach us directly via text, phone call, or Facebook Messenger. We respond within 24 hours on weekdays and proactively check in with you weekly to make sure you're on track.

The first month is $165 total — a one-time $100 Counseling & Education Fee, plus $65 for the credit repair service. The $100 is a one-time fee you only pay once; after that, your only ongoing cost is $65/month for as long as you'd like to continue. This includes your full 3-bureau report analysis, Credit Education Class, 1-on-1 report review and action plan session, custom scripts and dispute letters, and 30 days of direct support. After that, continued service is $65/month.

Our commitment to keeping fees as low as possible is core to our mission — credit repair shouldn't be a luxury service. We also keep costs down by having our clients perform certain actions themselves, like pulling their own credit reports through AnnualCreditReport.com, which is free for consumers and does not impact your credit score. This collaborative approach means you're learning while saving money, and we pass those savings on to you. Our goal is providing the best possible outcomes at the lowest possible cost — not maximizing revenue.

None. Zero. The pricing on this page is exactly what you pay. There are no setup fees, no cancellation fees, and no long-term contracts. You can cancel anytime — we even have a 3-day cancellation period with a full refund as required by federal law.

If you choose our Full Service tier and we negotiate a debt down on your behalf, we charge 7.5% of the amount we save you — and only after we've obtained a written settlement agreement. For example, if we negotiate a $10,000 debt down to $4,000, you saved $6,000, and our fee would be $450. You only pay when we deliver real results.