Yes. There's no fee, no obligation, and no high-pressure pitch. We use the consultation to understand your situation and tell you honestly whether we can help. If we can't, we'll tell you that too — and point you toward what would actually help.
Pricing depends on the level of service and your specific situation. We'll walk you through the options in detail on the consultation. We do not charge upfront fees for services not yet performed — that's a federal CROA requirement — and you have a 3-day right to cancel without penalty after signing any service agreement.
You'll get a clear monthly update showing what we disputed since the last cycle, what changed on your report, your current scores across all three bureaus, and what we're focused on next. You can reach our team anytime with questions in between updates.
We work nationally and accept clients in most states. A few states have specific registration requirements for credit repair organizations, so we'll confirm during the consultation that we can serve you in your state. If we can't, we'll tell you why and point you to what to do next.
It depends on what's on your report and what you're trying to accomplish. Most clients see meaningful changes within 3–6 months. Some situations resolve faster; some take longer. The consultation will give you a realistic estimate for your specific situation.
We dispute items on your credit report that are inaccurate, unverifiable, or outdated. We use the Fair Credit Reporting Act and related laws to challenge those items with the credit bureaus and the original creditors. A surprising amount of negative information turns out to be unverifiable — sometimes 30–50% of it.
What we can't do: remove accurate information. Anyone who promises that is either lying or doing something illegal.
No. The dispute process itself doesn't impact your score. What can impact your score is opening or closing accounts, applying for new credit, or paying down (or running up) balances during the repair process — and we'll coach you on which moves help and which hurt.
Yes — and we'll tell you that out loud because federal law requires us to. You can dispute items yourself directly with the credit bureaus for free. You can request your free credit reports at AnnualCreditReport.com.
What we offer is the expertise, the persistence, the systematic process, and a team that knows exactly what to challenge and how. The law is on your side and the option is always yours.
No — and you should be skeptical of any company that says it can. Federal law (the Credit Repair Organizations Act) actually prohibits credit repair companies from making specific score guarantees, because outcomes depend on factors outside any company's control.
What we will do is tell you what we believe is realistic based on what's actually on your report — and update you honestly as the work progresses.
No. We are not a lender. We help prepare your credit profile and introduce you to lending partners we believe are a strong fit for your situation, but the lender makes the actual approval decision based on their own underwriting criteria — your income, employment, debt-to-income ratio, and many other factors beyond credit score.
We have a clear policy on progress, refunds, and your right to cancel — we'll walk through it in detail during your consultation and in your written agreement. Federal law gives you a 3-day right to cancel without penalty after signing any service contract.
Beyond that, we'll be honest with you throughout. If we don't see realistic paths forward in your situation, we'll tell you so during the initial consultation — not three months and a few hundred dollars later.
Through our lending partner network, we work with clients pursuing:
• Mortgages (home purchase and refinance)
• Auto loans (purchase or lease)
• Business loans and lines of credit (SBA, term loans, equipment financing)
• Personal loans (consolidation, life events, post-recovery stabilization)
We match clients to partner lenders based on the type of loan, the loan size, and the client's credit profile after our work is done.
CreditWell may receive a referral fee from a lending partner when a client we refer successfully funds a loan. This is paid by the lender, not by you, and does not increase the cost or rate of your loan. The full details are on our Lending Partner Disclosure page.
No. We refer to partners we believe are a strong fit for your situation, but you're always free to apply with any lender of your choosing. Our credit repair service is provided on the same terms regardless of where you ultimately fund.
We work with post-bankruptcy clients regularly. Bankruptcy itself stays on your report (Chapter 7 for 10 years, Chapter 13 for 7), but a lot of the inaccurate or unverifiable items that show up alongside it can be disputed. The consultation will tell you specifically what's possible in your situation and what realistic next steps look like.
Tell us what you're trying to fund. We'll help you work on your credit and introduce you to lending partners who can review your application. Free consultation, no obligation.
Schedule a Free Consultation