Straight answersbefore youtake the next step.
Everything people commonly ask about our consultations, your credit, and your privacy, all in one place.
We're happy to help.
Results vary by individual circumstances. No specific outcome is guaranteed.Your consultation
It's a private, 45-minute conversation by video or phone. We review your credit situation and goals, answer your questions, and outline prioritized next steps you can work through.
About 45 minutes. That's enough time to talk through your goals, review your situation, and map out clear next steps without feeling rushed. You'll see the exact date and time in your timezone when you book.
Have recent copies of your credit reports (free at AnnualCreditReport.com), a short list of your goals (a home, a car, lower rates), any recent denial letters, and the questions you want answered.
Use the link in your confirmation email to choose a new time or cancel. We ask for at least 24 hours' notice when possible. If you paid a fee when booking, the terms shown at checkout apply.
Payment is handled through a secure online checkout when you book. The consultation fee, the payment methods accepted, and when you'll be charged are all shown on the payment step before you confirm.
Your credit
No. No specific score increase, deletion, approval, or other outcome is guaranteed, and results vary by individual circumstances. Accurate, timely information generally can't be removed from a report. You also have the right to dispute errors directly with the credit bureaus yourself at no cost, and you can get free reports at AnnualCreditReport.com.
Yes, and it's one of the most common reasons people book. We walk through each section together, including personal information, accounts, payment history, and inquiries, and explain what each item means, how it may affect your profile, and whether anything may deserve a closer look. See Credit Report Review.
Yes. You don't need an existing credit history or a particular score to book. For people starting out, we focus on how credit is built, the types of accounts commonly used to establish a history, and the habits that support a stronger profile over time. See Credit Building Guidance.
Privacy & security
Only what's needed to understand your situation. We'll never ask for your full Social Security number, account passwords, or login credentials. When you share your credit reports, you're welcome to cover account numbers and other identifiers first.
Yes. Consultations are one-on-one, and the information you share is used only to provide your guidance. See our Privacy Policy for details.
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