Frequently Asked Questions

My pricing is determined by the number of negative items appearing on your credit report, which means the total cost varies for each individual. To ensure accuracy and fairness, every client is required to book a consultation for $60 before receiving a personalized quote.

If this arrangement does not work for you, I completely understand—however, it may mean we're not the best fit to work together at this time.

If you're serious about improving your credit, the first step is booking your consultation.

I accept Afterpay, Klarna, and Zip as flexible payment options.

For clients requesting a traditional payment plan, I only accept payments through an invoice that allows you to securely place your card on file for automatic billing.

If we enter a payment agreement with a specific timeframe, it's important that all payments are made on schedule.

Please note — the price quoted covers the entire credit repair process, not just a single round of work. Allowing clients to make payments over time is a courtesy I extend, not an obligation.

• If a payment is missed, all work on your credit file will pause until the payment is made.
• If my team reaches out regarding a missed payment and receives no response within 24 hours, your case will be placed on hold, and you will be required to pay the full remaining balance before services resume.

This policy is not personal — it's designed to protect both my time and my business. Unfortunately, a few clients in the past have taken advantage of flexible payment options, so these guidelines help ensure a smooth, professional experience for everyone involved.

These are the dates and timeframes that I make myself available for everyone who has questions & actually books a consultation.

I kindly request that you check your email and spam folder for messages from:

• [email protected]
• [email protected]

To ensure you remain on track, it is vital to check your email & spam folder weekly to confirm your status.

I can't give a specific timeframe for a few reasons:

These two things alone can prolong a client's results for months or even a whole year — which would not be my fault as long as I send out emails and texts notifying them.

On top of that, the timeframe for credit repair varies from person to person, depending on the number and the type of negative items on your report.

That said, results like these are possible but not typical and cannot be guaranteed for every client — no one in this industry can honestly make such a promise. If they do, they're telling you what you want to hear so you feel comfortable enough to give them your money because they know you're in a rush & most likely desperate. 💯

I believe in full transparency: credit repair takes as long as it needs to take. Anyone guaranteeing complete results in 30–60 days is not being realistic. The average client goes through 4-7 rounds of disputes. If it were that simple, multiple rounds of disputes wouldn't even exist.

Unfortunately, many companies overpromise and underdeliver, which gives credit specialists a bad reputation. My approach is different — I prefer honesty over hype. Results take time, but they do come. Will it take the full 6-9 months? Not necessarily, but you can expect that.

Each dispute round lasts about 45 days, and after every round, you'll receive a PDF update showing whether any deletions or changes occurred.

My goal is to help every client achieve real, lasting results — but to do that effectively, I need your cooperation and understanding. My convenience and organization directly affect your success. The smoother our communication process runs, the faster and more efficiently I can help you reach your goals.

Please understand that if I don't respond to a text right away, I'm not ignoring you. With over 400+ clients, it's simply not possible to personally text or call everyone back the same day. To ensure everyone gets the attention they deserve, I've created a structured system that allows me to stay organized and efficient.

I make myself available for 1-on-1 consultations every Monday through Thursday from 12 PM to 5 PM.

Please remember:

• Just because it's a quick question doesn't mean it has a quick answer.
• Just because I've seen your message doesn't mean I'm not busy helping another client.

That's why I will continue to emphasize: the best way to reach me is by booking a free consultation.

The more convenient and organized our communication is, the more effective I can be in ensuring everyone gets the best possible results. Your cooperation helps me help you succeed because I don't have to stop what I'm doing to answer questions — and that's how testimonials are created. I would love for you to be my next testimonial.

When you begin the credit repair process, my goal is to dispute and address all negative items currently listed on your credit report.

I do understand that sometimes accounts report later than expected, and I'm always willing to work with clients in good faith to keep them on track. That said, this is a professional courtesy, not an obligation.

Please note:

• Continuously applying for new credit or creating new inquiries during the repair process works against your progress and creates additional work that makes my job significantly harder.
• If we've already discussed the importance of keeping your accounts positive and you still receive new 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.

If you are in ChexSystems or Early Warning then that means that you have been violated. Read 15 USC 6802 - 15 USC 6805. If you read your terms and conditions and privacy agreements of your credit card accounts and banking information, it tells you that they do not share your personal information with any 3rd party non-affiliate…

What we don't realize is when we open up these accounts, we have the option to opt out so they don't share our information — but they don't outright tell us that in plain English either. In their privacy agreements and terms and conditions, it states that they don't share your info, but yet they do anyway, which is a violation.

Request your consumer report from both websites & send me over the PDFs once you receive them.

After that, we will mark up any information you do not recognize or whatever is negative and start the disputing process. This process can take up to 3 months.

Credit Repair DOES NOT DELETE THE DEBT! — it only removes inaccurate, unverifiable, or outdated negative items from your credit report. However it is still important.

Think of it like a record expungement: the event happened, but lenders can no longer see it when reviewing your credit. This allows you to qualify for approvals you may have been denied before.

Once an item has been deleted from your credit report, the credit bureaus are not supposed to reinsert it. However, in some cases, if the debt remains unsettled, a creditor or collection agency may attempt to re-report the account—often assuming that consumers are unaware of their rights under the Fair Credit Reporting Act (FCRA).

• Make sure that your email storage isn't full. This will prevent us from being able to email you and it will also prevent you from being able to email us.
• I don't want a situation where both parties are doing their part but the emails aren't going through.
• If you ever get a new email or prefer us to send messages to a different email, please notify my team with your First and Last Name and new email so we can update it in our system. This also applies for new phone numbers.

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.

Once services have started, no refunds will be issued due to a change of mind. 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.

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
• 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.

At Wealthy Intention, we value every client and are committed to providing high-quality, consistent service. To maintain efficiency and ensure fairness to all active clients, we've implemented the following Inactive Client Policy:

Please note that multiple reminders via email and text are sent before an account becomes inactive. When no action is taken after repeated contact attempts, it creates workflow and scheduling challenges for our team and backend systems.

This fee covers administrative time, file review, and re-entry into our system.

Once the reactivation fee is completed, your account will be restored, and we will promptly continue your service process.