Question 1

Is there a setup fee or monthly credit-repair fee?

Accepted Answer

No. There is no setup fee and no monthly credit-repair fee. You may start directly or request the optional FREE Three I's™ Credit Analysis first.

Question 2

What are the first dispute-cycle choices?

Accepted Answer

Choose $49 plus $100 per qualifying deletion, $79 plus $55 per qualifying deletion, or $125 plus $35 per qualifying deletion for your first dispute cycle.

Question 3

What is a dispute cycle?

Accepted Answer

A cycle is one individually authorized round of work and results review. It includes authorization, work, an emailed package, customer mailing, waiting typically 45–60 or more days, a Review Audit, qualifying-deletion determination, and cycle end. It is not a calendar month, subscription period, or automatic recurring charge.

Question 4

What is a qualifying deletion?

Accepted Answer

A qualifying deletion is successful removal from a credit bureau of an eligible item addressed through the service. Fees are counted at the bureau level. Results are not guaranteed.

Question 5

Do cycles renew automatically?

Accepted Answer

No. Each additional dispute cycle costs $29 only when you authorize it. After a cycle, you may stop, pause, or continue.

Question 6

Can you guarantee results?

Accepted Answer

No. Credit-report situations vary, and no specific deletion, score increase, number of cycles, timeframe, or outcome is guaranteed.

Frequently Asked Questions

Pricing & Getting Started

How a Cycle Works

Qualifying Deletions & Results

The Service & Your Choices

Start Directly—or Request the Optional Free Analysis