Question: What items can you help me remove?

Answer:We can challenge virtually any negative item reporting on your credit reports, including collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, inquiries, judgments, and more. Our process focuses on whether the information is being reported in compliance with applicable credit reporting requirements and standards. We review how each account is being reported and challenge areas where the reporting may not meet those requirements. Results vary based on the individual account and how the credit bureaus and data furnishers respond.

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Question: When will I see results?

Answer: Many clients begin receiving responses within approximately 30–45 days after the first round of challenges is submitted. The exact timing and results vary by credit bureau, creditor, and individual credit profile. Credit improvement is a process, and multiple rounds may be necessary to address all of the items on your reports.

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Question: How long do I have access to the Tony’s Credit Repair Education area?

Answer: Your credit education resources are available while you are actively enrolled in your program. We want you to understand not only how the credit repair process works, but also how to build and maintain stronger credit going forward.

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Question: Do I have to be married to be in the couples plan?

Answer: No. You do not have to be married. Our couples option is simply designed for two people enrolling together, such as spouses, partners, family members, or two individuals who want to enroll at the same time.

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Question: What is included with my credit repair program?

Answer: Your program includes a review of your credit reports, preparation and processing of credit challenges based on your selected service level, ongoing analysis of bureau responses and updated reports, progress reviews, credit education, and guidance designed to help you build stronger credit habits. Your exact services and challenge frequency depend on the program you select.

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Answer: No credit repair company can guarantee that a specific negative item will be removed. Results depend on your individual credit profile, how each account is being reported, and how the credit bureaus and furnishers respond. However, our Advantage Plan includes a money-back guarantee if we are unable to remove any negative items we worked on, subject to the eligibility requirements and terms of the guarantee.

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Question: How long does credit repair take?

Answer: There is no universal timeframe. Some clients see changes after the first round, while more complicated credit profiles require multiple rounds. The length of your program depends on the number and type of negative items, bureau responses, and the service level you select.

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Question: Do I need credit monitoring?

Answer: Yes. Current three-bureau credit monitoring allows us to review changes to your reports, measure results, and determine what should be addressed next.

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Question: Will my credit score increase?

Answer: Removing or correcting negative information may improve a credit score, but no specific score increase can be guaranteed. Credit scores are also affected by balances, payment history, account age, new credit, and other factors.