Frequently Asked Questions

Welcome to your financial reset. We know that taking the first step toward credit restoration can bring up a lot of questions. Below, we have answered the most common questions we receive so you can move forward with confidence and clarity.

How long does the credit restoration process take?

Every financial journey is unique, and the timeline depends entirely on the complexity of your credit profile. While some clients see initial changes within the first 30 to 45 days, a complete restoration generally takes between 3 to 6 months. Because we believe in our process, we back our services with a 90-Day Money-Back Guarantee—meaning you will see measurable results in your first 90 days, or you are entitled to a refund.

Can you guarantee my credit score will go up to a specific number?

By law (the Credit Repair Organizations Act), no company can promise a specific credit score increase or guarantee approval for loans. What we do guarantee is our unwavering commitment to challenging inaccurate, obsolete, and unverifiable information on your profile. If we do not successfully remove at least one negative item within your first 90 days, you are protected by our satisfaction guarantee.

What is required of me during this process?

We view this as a partnership. For us to successfully restore your foundation, we need your active participation. This includes:

Maintaining an active third-party credit monitoring service.
Forwarding any mail or correspondence you receive from credit bureaus to us within five (5) days.
Refraining from applying for new credit or closing old accounts without consulting us first.
Paying your current open bills on time to prevent new negative marks.

Which package is right for me?

We offer tailored paths depending on your specific purpose:

The Restoration Package: Perfect for individuals needing a financial reset and comprehensive profile cleanup.
The Dominion Package: Designed specifically for aspiring homeowners who need to align their debt-to-income ratio and optimize their profile for mortgage approval.
The Covenant Package: Created for couples who want to unify their financial goals and restore both of their profiles simultaneously at a discounted rate.

Why do I have to pay for a separate credit monitoring service?

We need continuous, secure access to your three-bureau credit reports to analyze your data, build your disputes, and track our progress. Using a third-party monitoring service allows us to pull your updated reports every 30 days without placing a "hard inquiry" on your profile, protecting your score while we work.

Will the negative items come back once they are deleted?

Under the Fair Credit Reporting Act, if a negative item is deleted, the credit bureaus cannot place it back on your report unless the creditor provides new, verifiable proof that the debt is valid. If an item is ever re-inserted, the bureau must notify you in writing within five days, and we will immediately challenge the re-insertion.

Is my personal information secure with you?

Absolutely. We handle your sensitive financial data with the utmost integrity and care. We use industry-standard encryption, secure client portals, and strict confidentiality protocols. We never sell or share your information with outside marketers.