No legitimate company can promise a specific score or a specific deletion — and you should be cautious of anyone who does. Our proposed process identifies potential factual discrepancies and documents them. We do not guarantee a deletion, a score increase or a credit approval. Whether anything changes depends on the facts of your file and on how the bureaus and creditors respond.

No. Federal law prohibits charging or collecting for an agreed credit-repair service before it is fully performed, and starting work does not make a fee due. Our pricing is still being reviewed and is not published yet.

Yes — you can dispute information yourself at no cost, and we will tell you that plainly. You can get free reports from AnnualCreditReport.com and dispute inaccuracies directly with Equifax, Experian and TransUnion. You may also contact a nonprofit credit counseling service. Choosing a paid service is a choice, not a requirement.

It is measured in dispute cycles, not days, and it depends on what is on your report and how the bureaus and creditors respond. Any agreement would describe the scope of the service and an estimate of when it will be complete. Anyone promising fast, guaranteed results is not being honest with you.

We would review items that appear inaccurate, incomplete or inconsistent with your records, and help you document a factual basis to dispute them. We cannot and will not claim to remove accurate, timely information. An unfamiliar or negative item is not automatically inaccurate.

No. CreditFixRS is a credit repair organization, not a law firm, and we do not provide legal advice. We can refer you to a consumer-law attorney for legal questions.

Any future agreement must explain your cancellation rights and how to exercise them. Federal law provides a right to cancel within three business days of signing, and some states provide longer periods or additional rights. Your agreement and its cancellation notices would state the applicable deadline.

Reviewing your own report and disputing inaccurate information is a right you have as a consumer. Disputing does not by itself lower a credit score. We do not promise that a dispute will change a score either way.

Nothing yet — enrollment is not open. When it opens, you would complete the required disclosures and agreement first, and obtain your own reports. Please do not send Social Security numbers, credit reports, account numbers, identity documents or passwords through this website.

Credit-repair rules vary by state, and some states regulate or restrict credit-repair organizations. Our service is not available in any state yet. Contact us with your state and we will note your interest; we will confirm what is available before anything is offered.