Pricing, policies, timelines, and the parts of credit repair other companies hope you will not ask about. If it is not answered here, bring it to your free consultation.
We challenge items lawfully under the Fair Credit Reporting Act. Accurate, verifiable, current debt cannot be removed by us or anyone else, and anyone who says otherwise is lying to you.
A debt sold or assigned to a collection agency. Collectors must be able to verify the debt is yours, accurate, and inside the reporting window.
Debt the original creditor wrote off as a loss. It can still be inaccurate: wrong balance, wrong dates, or reported by more than one party.
A payment reported 30, 60, or 90+ days past due. Reporting errors on dates and amounts are common and challengeable.
A vehicle or asset taken back by the lender. Deficiency balances and dates are frequent sources of inaccuracy.
A public-record item with strict reporting time limits. Details and dates are often reported inconsistently across bureaus.
A lender's credit pull. Inquiries you did not authorize can be challenged.
Medical debt has special reporting rules, including minimum amounts and waiting periods. Many items are reported in violation of them.
Federal and private loans must be reported accurately. We challenge inaccuracies only. Nobody can remove accurate federal loan history.
Public records with evolving reporting standards. Many no longer belong on consumer reports at all.
Accounts you never opened. These follow a specific federal dispute path with police report and FTC affidavit.
Old names, addresses, and employers. Cleaning these reduces mixed-file errors.
The same debt reported twice by different parties. One debt may only be reported per the rules.
You will not find package prices on this site. Your quote is built from your actual reports during the free audit, covers exactly what your file needs, and is billed only as work completes. Attorney-reviewed pricing language publishes here before launch.
Consultations by appointment, including evenings. Virtual meetings available in every state we serve.
Booked clients get direct strategist access. General questions reach us through the contact page and get answered within one business day.
The site chat is support only. Nobody will sell to you in a chat box, ours included.
By your profile, not a menu. Every credit file is different, so after your free audit we quote a custom plan in writing. You approve the full scope before anything starts. We do not advertise prices because we will not price your file before reading it.
No. Federal law prohibits charging for credit repair before work is performed, and our model is built the same direction: billing follows completed work, under the written contract you signed.
Payment scheduling is part of the written plan and is finalized at enrollment. Available options publish here once our payment processor is live.
You may cancel the contract without penalty within three business days of signing, as federal law provides. After that, you owe only for work already completed. The full policy is on our Refund Policy page.
The consultation books a time. It never bills a card.
Show up on time or reschedule free with a day's notice. Bring questions. You will never be asked for payment information during a consultation, and any contract you sign afterward carries the federal three-business-day cancellation right, stated in writing, in the contract itself.
You connect your three-bureau monitoring so we are reading the same reports the lenders read. No SSN is ever collected through this website.
Every account, inquiry, and public record gets read. We flag what is inaccurate, unverifiable, or outdated.
You get the full scope: what we will challenge, in what order, on what timeline, at what cost. Nothing starts until you sign.
Hire us, take the DIY route, or walk away with a free education. All three are wins in our book.
Inaccurate items challenged, the file cleaned to what is true, habits in place to keep it that way.
Utilization managed, profile structured, entity formed if business is the goal. Lenders start saying yes.
Personal and business capital, sequenced to protect approvals. The reason the credit mattered.
Some items are quoted per deletion instead of inside a plan. Where that applies, you are billed only after the deletion is documented on your report, never before.
Bureaus get roughly 30 days to answer each challenge, so work moves in rounds of about 45 days. Simple files may need one or two rounds. Heavy files take longer, and we will tell you which one you are before you sign. See documented cases on the results page.
If new late payments or collections land while we work, the file moves backward and no company can prevent that. Part of every plan is making sure nothing new lands.
Federal law gives you free weekly reports from all three bureaus at annualcreditreport.com. For working a file, we use monitoring that refreshes scores and reports monthly.
annualcreditreport.com, all three bureaus, no card required. Reports only, no scores.
We work from IdentityIQ three-bureau monitoring so we read what lenders read. Required for done-for-you plans. Enroll here. P&K may earn a commission on enrollments.
Self-serve plans and letters check out on the DIY page once our payment processor is live. Same arrears rules, same e-sign contract.
Reinsertion is legal only with written notice to you within five business days. If it happens, the challenge resumes at no extra charge for that item, because you already paid for that deletion. You also always hold your own FCRA rights: to dispute directly, to sue over violations, and to a free report after any denial. This is general education, not legal advice.
DTI is your monthly debt payments divided by gross monthly income. Under 36 percent is comfortable. Over 43 percent, most mortgages stop being available.
Closing an old account can raise your utilization and shorten your average age, both of which push scores down. Usually the better move is a zero balance and an occasional small purchase. Ask in your consultation before closing anything.
Every state sets a statute of limitations on how long a collector can sue. A small payment on old debt can restart that clock in many states. Reporting windows are separate from suing windows. This is exactly the conversation to have before responding to any collector.
| Debt type | Typical suit window | Reporting window |
|---|---|---|
| Credit cards / open accounts | 3 to 6 years in most states, varies | 7 years from first delinquency |
| Written contracts | 4 to 10 years, varies by state | 7 years from first delinquency |
| Judgments | 5 to 20 years, often renewable | Generally no longer reported |
Exact state-by-state figures publish after counsel review. This table is general education, not legal or financial advice. For your state and your debt, ask a licensed attorney.