Frequently Asked Questions

Credit repair is the process of disputing inaccurate, incomplete, or unverifiable information on your credit reports. Under the Fair Credit Reporting Act (FCRA), you have the legal right to challenge any information that doesn't meet federal reporting standards. We analyze your reports for Metro 2 format violations and FCRA errors, then create custom dispute letters to get those items removed.

Absolutely. The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate information. Credit repair organizations are regulated under the Credit Repair Organizations Act (CROA), which we fully comply with. We never ask you to misrepresent information—we dispute items based on legitimate reporting errors and violations.

Any item that contains inaccurate information, cannot be verified, or violates Metro 2 reporting standards can potentially be removed. This includes collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies (if reporting errors exist), and inquiries. Even legitimate debts can be removed if they're being reported incorrectly.

Every situation is different. By law, credit bureaus have 30-45 days to investigate disputes. Some clients see results in the first round (30 days), others need multiple rounds. Our 6-month coverage ensures we have time to work through stubborn items. Many clients see significant improvement within 60-90 days.

Most credit repair companies use generic template letters. We don't. Our founder has hands-on FCRA litigation experience and built the Knight System—an AI-powered violation detection engine with 400+ rules for identifying Metro 2 reporting errors. Every dispute letter is custom-built based on the specific violations found on YOUR report.

The Knight System is our proprietary AI-powered credit report analysis engine. It contains over 400 rules for detecting Metro 2 format violations, FCRA errors, and "impossible combinations" in credit reporting. When we analyze your report, the Knight System identifies specific violations that form the legal basis for your dispute letters—far more effective than generic templates.

SmartCredit gives us access to your full 3-bureau reports with the detailed data we need to find violations. It also lets us track changes in real-time so we can see exactly when items get removed or updated. The ~$25/month is separate from our service fee, but it's essential for the process to work.

Disputes sent directly from you (the consumer) carry more legal weight than those sent by third parties. Credit bureaus are legally required to investigate disputes from consumers. When you mail the letters yourself with certified mail, you create a paper trail and ensure the bureaus take your disputes seriously.

Full 3-bureau analysis using our Knight System, custom dispute letters for ALL negative items found, unlimited dispute rounds for 6 months, weekly progress updates, 90-day re-analysis, and direct access to our team. No hidden fees—the $500 covers everything except your SmartCredit subscription.

THE CLEAR STRETCH is split into 4 weekly payments of $125 each via PayPal invoice. Week 1: Analysis & setup. Week 2: Letters built. Week 3: Disputes active. Week 4: Only after we confirm deletions. If we don't get results, you don't owe that final payment.

Our performance guarantee means you only pay the final $125 after we get deletions. If we don't get results, you don't pay that last installment. We're confident in our process because we've seen it work—check out our client testimonials.

No—and any company that guarantees specific deletions is lying to you. The Credit Repair Organizations Act (CROA) prohibits guaranteeing specific outcomes. What we DO guarantee: if you get zero deletions, you don't owe the final payment. We're legally compliant and honest about what we can and cannot promise.

Step 1: Sign up for SmartCredit monitoring (~$25/month). Step 2: Share your login with us OR send us your PDF credit reports. Step 3: We analyze all 3 bureaus and identify violations. Step 4: We build your custom dispute letters. Step 5: You mail the letters (we provide templates and guidance). Step 6: We monitor for results and prepare additional rounds as needed.

Call or text us at (334) 938-9171. Text "CREDIT" to get started immediately. We respond to all inquiries within 24 hours.

We need access to your 3-bureau credit reports through SmartCredit. You can either share your SmartCredit login credentials or download and send us the PDF reports directly—your choice. We'll also need basic contact information for communication and to prepare your dispute letters.