Frequently Asked Questions

We begin with a deep credit analysis to identify every inaccurate, outdated, or unverifiable item across all three bureaus. Then we build a custom legal strategy using Metro 2 compliance standards and execute monthly dispute rounds. Throughout the process, we also guide you on rebuilding positive credit lines to maximize scoring impact.

Metro 2 is the federal data reporting standard that credit bureaus and lenders are legally required to follow. Most credit repair companies don't even know it exists. We use Metro 2 compliance violations as the basis for our disputes — meaning we challenge items using the exact legal framework bureaus must adhere to. This results in significantly higher deletion rates than standard template-based disputes.

Every dispute letter is uniquely crafted for your specific credit profile. Bureaus are trained to dismiss generic templates immediately. Our letters are built on factual legal data, specific account details, and targeted arguments that legally require the bureau to conduct a full investigation.

Danny AGI is a proprietary dispute methodology developed by our founder combining advanced legal argumentation, AI-assisted analysis, and bureau-specific escalation tactics. It produces results on items that other companies — and even attorneys — have said were impossible to remove.

Most clients see first movement within 30–90 days. Full transformation typically takes 3–9 months depending on the complexity of your profile — the number of negative items, their age, account types, and how bureaus respond. We set realistic expectations from day one.

Results vary by individual, but our clients average 80–140+ point increases. The number of deletions, the types of items removed, and whether you follow our credit-building guidance all affect the final outcome. Clients who combine disputes with our optimization coaching consistently see the highest gains.

We only challenge inaccurate, outdated, or unverifiable items under federal law. However, our methods identify errors, inconsistencies, and compliance violations in items that often appear legitimate on the surface — leading to deletion rates far above the industry average.

A creditor can re-verify and re-report an item if it is genuinely accurate. However, we structure disputes at the root compliance level, making re-insertion significantly less likely. We also educate every client on monitoring and how to respond quickly if re-insertions occur.

100% yes. Our entire process is structured around consumer protection laws — the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and Metro 2 compliance standards. Every dispute we file is legally grounded and within the rights afforded to every consumer under federal law.

You are protected by: the Fair Credit Reporting Act (FCRA) — gives you the right to dispute any inaccurate information. The Fair Debt Collection Practices Act (FDCPA) — limits how collectors can contact you. The Credit Repair Organizations Act (CROA) — governs credit repair services. And the CFPB — oversees enforcement of all these rights. We operate fully within every framework.

No company can legally guarantee specific deletions or score increases — and any company that does should raise a red flag. What we guarantee is a structured, strategic, and fully compliant process tailored to your unique profile. Our 90% success rate across 500+ clients speaks for itself.

Our full-service credit restoration program is $197/month — covering deep credit analysis, custom legal dispute letters, monthly execution, Metro 2 compliance strategies, score optimization coaching, and client portal access. Most comparable services charge $1,500–$3,000 upfront. We believe presidential-level service should be accessible to everyone.

No contracts, no lock-ins. We operate month-to-month because our results speak for themselves. Most clients stay 4–9 months until they reach their goals, but you can cancel anytime. We don't need to trap you — we earn your continued business through results.

For $29.99/month, Elite Credit Monitoring gives you 24/7 monitoring with instant alerts, score tracking, identity theft protection, and ongoing maintenance. It's the best way to protect the progress you've made and catch any new issues immediately.

Book your free 30-minute credit analysis — no cost, no obligation, no credit card. We review your full credit profile, identify every deleteable item, and walk you through a custom strategy. From there you decide if you'd like to enroll. It's the clearest picture of your financial situation you'll ever get.

Just yourself. If you have access to your credit reports from all three bureaus (Equifax, Experian, TransUnion) that's a bonus — but not required. We can guide you on how to pull them for free. The more context you can share about existing disputes or accounts, the more precise our roadmap will be.

Yes — we work with both consumers and entrepreneurs. Many of our clients use credit restoration as the foundation for accessing business funding. Once we build your personal credit profile, we can advise on business credit strategies and help position you for loan approvals, lines of credit, and funding programs.