Frequently Asked Questions

When a payment agreement is established with a defined timeline, it is essential that the terms of that agreement are honored.

CLEAR UNDERSTANDING:

The amount you were charged represents the cost of the entire process. Any work completed up to that point is considered final and non-refundable.

This is similar to financing a vehicle. When you enter a financing agreement—for example, over a five-year term—you are expected to fulfill the agreed-upon payments for the duration of that contract.

Even if you make payments consistently for 3 years, failure to continue those payments can result in consequences such as the vehicle being disabled (in some newer models), repossession, and potential negative reporting to your credit.

The payments already made are not refunded, as they covered the time and usage of the vehicle during that period.

Now granted you're not buying a car, but I expect the same level of respect for my business. You wouldn't call the dealership and mention how you've already made payments for 3 years in a row. Because you understand you've broken the agreement so they no longer have to give you access.

Likewise, in this process, payments made reflect the services rendered up to that point. Therefore, they are not eligible for reimbursement, And I am not required to continue service at that point.

Once services have been stopped due to missing payments—the remaining balance must be PAID IN FULL, In order to resume services.

These policies are not personal. They are necessary to protect the integrity of our business operations and ensure fairness across all client accounts.

Book Your Consultation

$63

One-time consultation fee to begin your credit repair journey

• Personalized credit analysis
• Custom action plan
• Credit monitoring enrollment
• Direct access to The Credit Daddy

How the Process Works:

• You will book a consultation, and I will ask you what your financial goals are. I will then explain why credit is the foundation to reaching those goals—regardless of what they may be.
• I will go over Myths & Facts About Credit, covering some of the biggest misconceptions most people have.
• During the consultation, we will review your credit report TOGETHER via Zoom or FaceTime. Transparency is key—I want you to see everything in real time, so you never feel like anything is being exaggerated or misrepresented.
• I will share my screen and walk you through what a GOOD credit report should look like vs. what YOUR current report reflects 🔎
• We will identify what is actually holding your profile back and discuss how I can assist you in improving it.
• I will also physically show you the financial impact of bad credit vs. the savings potential of good credit, so you clearly understand what’s at stake.
• At the end of the consultation, if you decide to move forward, I will provide a customized price based on your specific credit report, and we can select a start date from there.

If you look at the screenshot above, you'll see that this client started with 23 negative items and we actually got 25 negative items deleted. Which means 2 additional negative items appeared after he started, and we got those removed as well — resulting in a completely clean credit report.

If you pay attention to the dates on the right-hand side, you'll see this client started Round 1 on 1-21-25 and Round 2 on 3-23-25. However, the next round did not begin until 10-7-25. From the outside looking in, it may appear that no work was done for 8 months, but that is not the case.

In most situations, delays like this happen because the client either did not maintain their credit monitoring subscription (which prevents me from accessing your credit report), or the client failed to submit an updated Proof of Address (POA) every single month.

Please understand, every time dispute letters are sent, we must verify your identity. Your Proof of Address is required for every round, and if it is not provided, I cannot proceed with the next round of disputes.

Active Client Protection:

As part of my service process, if a new collection account appears or a previously deleted collection reappears while you are actively enrolled in the credit repair program, it will automatically be included in the next dispute round at NO ADDITIONAL COST. That said, this is a professional courtesy, not an obligation. I handle it this way in good faith to help keep all clients on track and maintain the progress of their credit profile.

After Program Completion:

Once all negative items have been removed and your file has been successfully completed and closed, the service is considered finished. If a collection account later appears or reappears after the completion of the program, there will be a $300 reactivation fee to reinitiate credit repair services.

To set clear expectations:

• Any new applications must be discussed with me in advance (book an appointment). This ensures we stay aligned, protect your credit, and avoid delays in your results. My goal is to deliver strong results, and that requires us to work together strategically.
• If we've already discussed the importance of keeping your accounts positive and you still receive new inquiries or negative items, an additional charge may apply for continued credit repair services.
• If I decide to charge for additional work, I will inform you first and ask whether you wish to move forward.

If you choose not to, all work on your file will be paused or stopped entirely. Repeatedly applying for new credit while your disputes are in progress adds unnecessary inquiries, lowers your scores, works against your progress, and creates additional work that makes my job significantly harder. It also makes me look like I'm not doing my job. I simply can't have that.

Reactivation Fee: $300

Active Client Protection

If you are an active client, as part of my service process, if a new collection account appears or a previously deleted collection reappears while you are actively enrolled in the credit repair program, it will automatically be included in the next dispute round at NO ADDITIONAL COST. While this is not a required part of the service, I handle it this way in good faith to help keep all clients on track and maintain the progress of their credit profile.

After Program Completion

Once all negative items have been removed and your file has been successfully completed and closed, the service is considered finished. If a collection account later appears or reappears after the completion of the program, there will be a $300 reactivation fee to reinitiate credit repair services.

Clients with 60+ days of inactivity-meaning no responses/engagement, no document submissions, or no reactivation of credit monitoring-are placed on inactive status and removed from our active roster. To resume services, a $300 Reactivation Fee is required (covers admin time, file review, and system re-entry). Once you reach 60 days of inactivity you will be required to pay that $300 Reactivation fee.

Please note that multiple reminders via email and text are sent before an account becomes inactive. We understand that life happens-unexpected events, busy schedules, and personal matters can sometimes take priority. That's why we send multiple reminders before marking any account as inactive. Even if you communicate the reason you are unable to maintain your credit monitoring subscription, or upload certain documents, it does not eliminate the issues associated with becoming an inactive client. If your account becomes inactive as a result, your file may still be subject to the $300 reactivation fee in order to resume services.

At the end of the day Credit repair is a collaborative process. When clients go silent or no action is taken after repeated contact attempts, it not only delays their own progress but also affects our ability to manage our workload efficiently. It creates workflow and scheduling challenges for our team and backend systems. This policy ensures that active, engaged clients receive the attention and priority they deserve.

While an account is inactive, we are unable to continue work on the credit profile. However, we must still retain a client's file records of what was disputed or deleted in case a client later requests updates or verification of prior activity before becoming inactive. Which requires us to maintain your profile in our system and preserve all past correspondence, which results in monthly fees. Also storage costs for backed up emails and text for keeping old conversations for proof that reminders have been sent out. So in conclusion Even when no active work is being performed. We still have to pay for your files unless we delete all history.

For your convenience We also accept Afterpay, Klarna, and Zip as other forms of payment. Once paid, PLEASE REACH OUT FOR INSTRUCTIONS & we will promptly restore your account and continue your services.

We are committed to providing professional, compliant, and results-driven credit services. Because credit improvement is a process that requires time, consistency, and client cooperation, the following refund policy applies to all clients.

No Refunds Once the Process Begins

Once services have started, no refunds will be issued due to a change of mind. If you are someone who's married or typically makes decisions with your partner, Please ensure you have discussed this decision with your spouse or decision-maker PRIOR to payment completion.

If you choose to stop services before completion, that is your right; however, no refund will be issued if you do not allow us to complete the agreed-upon process. I shall only be responsible for a refund if I DID NOT DO MY JOB. Not because someone stopped me from doing my job which is get you DELETIONS.

Client Responsibility & Non-Refundable Conditions

Refunds will not be issued if the client interferes with the credit repair process or fails to follow required guidelines, including but not limited to:

• Clients who have been inactive for 60 days or more—meaning no response to messages, no document submissions, or no engagement with our support team—will be considered inactive and temporarily removed from our active client roster. – See Inactive Client Policy & Reactivation Fee section.
• Continuously adding new negative items to their credit profile
• Ignoring instructions or deadlines
• Failing to provide required documentation or access
• Taking actions that delay, disrupt, or prevent the completion of services

Any work completed up to that point will be considered final and non-refundable.

⚠️ Hard Truth:

You can't pay for credit repair then:

• Ignore or skim through instructions
• Stop responding
• Ignore emails and text messages
• Keep adding new inquiries, or late payments
• Skip credit building

Then come back 3 months later saying you haven't heard anything, seen any changes, requesting a refund, & proceed to blame my company or the process.

Credit repair works only when WE work.

I'm not a miracle worker, I'm a strategist. You have to do your part as well.

Fairness & Accountability: This policy exists to ensure fairness and accountability for both parties. Our goal is to help you rebuild and protect your credit, but success requires active participation, honesty, and cooperation from the client.

Once again. I shall only be responsible for a refund if I DID NOT DO MY JOB. Not because someone stopped me from doing my job which is get you DELETIONS.

❌ Why You Usually Should NOT Close Unused Credit Cards

Closing a credit card can hurt your credit, even if you never use it.

🧠 Best Practice — What I Recommend to Clients

• Keep unused cards open
• Use them once every 3–6 months
• Put a small charge on it (Netflix, phone bill, gas, coffee)
• Pay it off before the statement date

This keeps the account active without increasing utilization.