Clear, direct support when you need it. Office hours Monday–Friday, 9:00 AM–5:00 PM (ET).
Use the form below and we’ll get back to you during office hours.
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Credit repair is a partnership. We’ll handle disputes with precision, but your role is just as important: avoiding actions that could undo progress.
Need to build positive credit history? See more credit builders.
Follow these to protect your momentum. Each item explains what not to do, why, the risks, and what to do instead.
Don’t #1
New applications create hard inquiries and new accounts that can lower your score and complicate our strategy.
Don’t #2
Unreviewed replies can contradict our filings and reset timelines.
Don’t #3
Builders are your positive signals; late or canceled builders can create late marks or remove helpful history.
Don’t #4
Parallel disputes can contradict our strategy and confuse bureau records.
Don’t #5
Two firms = conflicting tactics, duplicate disputes, and documentation conflicts.
Don’t #6
Both actions can change utilization and average age—key score factors.
Don’t #7
Utilization spikes can overshadow dispute progress.
Don’t #8
Missed bills can turn into collections; predatory loans create cash-flow traps and credit risk.
Don’t #9
Uncoordinated identity data can misroute mail or complicate verification.
Don’t #10
We can’t proceed without the right documents on time.
Don’t #12
We rely on active access (Credit Hero Score / CFPB) to track disputes and verify results.
Don’t #13
Chargebacks disrupt service and can conflict with your signed agreement and active work.
Always
We’re your partner. A quick message before you act can save weeks of back-and-forth.
We’ll communicate clearly, keep your case organized, and act with integrity. You’ll follow the process, keep builders active and on time, and use the portal for documents and updates. If you act against our guidance (including items above), results may be delayed or reversed — and we cannot be held responsible for those outcomes.
Note: Service windows, dispute rounds, and policies are as stated in your agreement and policy pages. When unsure, always message us first.
Clear, direct support when you need it. Office hours Monday–Friday, 9:00 AM–5:00 PM (ET).
Use the form below and we’ll get back to you during office hours.
* Required fields
Build positive history the right way with vetted options that fit your profile.
Read more →Stay ahead with consistent monitoring and real-time alerts from trusted providers.
Read more →Understand what truly drives your score—payment history, utilization, and more.
Read more →Avoid the most common mistakes that can undo months of progress.
Read more →We’re selective for a reason—see if our approach matches your goals and timeline.
Read more →
Don’t #11
Post private credit details on social media/forums
Public posts can expose sensitive data and derail negotiations.