No. Disputing inaccurate or unverifiable information or pulling your own credit reports does not hurt your credit score. In fact, when negative items are corrected or removed, many clients see improvements in their credit profile. The credit bureaus simply investigate the account to verify that the information being reported is accurate and complete.

Every credit profile is different, so timelines can vary. Some clients begin seeing changes within 30–60 days, while others take longer depending on the number of negative accounts and their current credit usage. Credit rebuilding is a process, but many clients begin noticing improvements as disputes are investigated and as they implement the score-building strategies inside the program.

No company can legally guarantee specific results because the credit bureaus ultimately determine how accounts are reported. What we do guarantee is that we will challenge inaccurate, incomplete, or unverifiable information on your credit report and guide you through proven strategies designed to strengthen your credit profile over time.

When you enroll, our team begins by auditing your credit report to identify the items affecting your score. We then prepare and submit dispute letters based on the information found on your report and provide guidance on how to strengthen your credit profile using Ricardo’s 3-Step Credit Framework: repair inaccurate items, build positive credit history, and reduce debt that may be holding your score down.

Yes, but we make it simple. While we handle the dispute preparation and provide guidance on your credit file, you may need to complete certain steps such as maintaining your credit monitoring account active, reviewing updates, and applying the strategies inside the training program. Our team guides you through exactly what to do and when to do it.

Many of our clients come to us after trying other services or attempting to fix their credit on their own. The difference is that our approach focuses on more than just disputing negative items. We help clients repair inaccurate information, build stronger credit history, and create strategies to reduce debt — all of which play a role in improving your overall credit profile.

There is no long-term contract. The program is month-to-month, and you can cancel at any time. Many clients stay with the program while they work through their credit rebuilding journey, but you are never locked into a long-term commitment.

Credit monitoring allows both you and our team to view the same credit data and track updates as they occur. This helps us identify what needs to be disputed, monitor investigation results, and guide you through the credit rebuilding process more effectively. SmartCredit is billed separately and gives you access to your credit information and alerts.

After completing your enrollment, you’ll receive instructions to finish your onboarding steps. This includes connecting your credit monitoring account and submitting a few details about your credit profile. Once that is completed, our team begins your credit audit and prepares the next steps in your credit rebuilding plan.

Yes. Consumers have the legal right to dispute inaccurate or unverifiable information on their credit reports under the Fair Credit Reporting Act (FCRA). Our process helps clients exercise those rights while also learning strategies to strengthen their credit profiles over time.

Only If you’re serious about improving your credit and want guidance on what steps to take, the best time to start is now. Many people delay improving their credit only to realize later that they could have already been months into the process.