Please DO NOT call the creditor before speaking with us first. This service is a live negotiation call/communication directly to your bank/creditor and we may utilize an attorney to send a letter. Serious inquiries only because it is very time intensive to intake your case. There are no fees unless we are successful.

3 year warranty to make sure that when your credit is clean, it stays clean. Any new negative items that appear will be challenged within 3 years after your initial sign up at absolutely no cost to you.