What you are buying, and what we will not do.

Last updated 29 October 2026.

The service

We read the credit reports you upload, identify items that appear inaccurate or unverifiable, prepare dispute letters for your signature, and arrange certified mailing. You approve each item before any letter is produced.

No guarantee of an outcome

We do not promise that any item will be removed, corrected or that any score will change. The furnisher and the credit bureau decide the result. Anyone who guarantees a deletion or a score is misrepresenting the process.

Payment

No fee is collected before the service has been performed. You are billed after letters are mailed. Florida clients may cancel within three business days of signing without charge. Postage is passed through at cost.

What we will not do

We will not dispute an item we know to be accurate, we will not file an identity theft block on a debt that is yours, we will not create a credit profile number or a second identity, and we will not log into your credit bureau account for you.

Your responsibilities

Upload your own reports and your own documents. Sign your own letters. Tell us if a flag is wrong so it can be skipped. Keep your login credentials private.

Not legal advice

This is a document preparation and mailing service. It is not a law firm and does not provide legal advice. For advice about your specific situation, speak with a licensed attorney or a nonprofit credit counselor.