Question 1

What is credit improvement?

Accepted Answer

Credit improvement is the process of reviewing your credit reports for inaccurate, incomplete, or unverifiable information and professionally disputing those items with the credit bureaus in accordance with the Fair Credit Reporting Act (FCRA).

Question 2

How is Scores Lift different from doing it myself?

Accepted Answer

While you have the right to dispute items on your own, Scores Lift provides professional expertise, custom dispute letters, creditor interventions, and ongoing credit optimization guidance — saving you time and maximizing your results.

Question 3

How long does the process take?

Accepted Answer

Timelines vary by individual. Credit bureaus have up to 30–45 days to respond to disputes. Many clients begin seeing results within their first 1–3 cycles. Individual results vary and are not guaranteed.

Question 4

What items can you dispute?

Accepted Answer

We can dispute inaccurate, incomplete, or unverifiable items including collections, charge-offs, late payments, hard inquiries, and incorrect personal information — all in accordance with the FCRA.

Question 5

How much does it cost?

Accepted Answer

We offer two plans: Credit Starter at $79/month and Credit Accelerator at $119/month. Both include a one-time $50 First Work Fee billed only after initial work is performed — never upfront. No contracts.

Question 6

Is there a contract?

Accepted Answer

No. There are no long-term contracts. You can cancel your service at any time.

Question 7

What is the First Work Fee?

Accepted Answer

The $50 First Work Fee is a one-time charge billed only after we complete your initial credit audit and submit your first round of disputes. In compliance with CROA, we never charge fees before services are performed.

Question 8

How do I track my progress?

Accepted Answer

You have 24/7 access to your secure client portal to view real-time updates on disputes, uploaded documents, and monthly progress reports.

Question 9

Is my data secure?

Accepted Answer

Yes. We use 256-bit SSL encryption — the same level used by major banks — to protect your personal information and credit data at all times.

Question 10

Are you CROA and FCRA compliant?

Accepted Answer

Yes. Scores Lift operates in full compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). We are bonded and registered as required by law.

Question 11

Do you serve my state?

Accepted Answer

Yes. Scores Lift is based in Kyle, TX and serves clients in all 50 U.S. states.

Question 12

What if I'm not satisfied?

Accepted Answer

You can cancel at any time with no penalty. We are committed to transparent, professional service and will work with you to address any concerns throughout your credit improvement journey.

Frequently Asked Questions.

Still have questions?

The Ultimate Guide to
Credit Improvement