Frequently Asked Questions

1. Can you remove all negative items from my credit report?

Not always. We can challenge inaccurate, outdated, or unverifiable items, but we can’t always remove negative accounts. Our goal is to help you clean up what can legally be removed while giving you tools to build better credit moving forward.

2. How soon will I see results?

Some clients begin seeing changes within 30 to 60 days, but every situation is different. Our program lasts 4 months to allow enough time for disputes, responses from credit bureaus, and progress in building new positive credit history.

3. Is credit repair legal?

Yes! Credit repair is 100% legal under the Fair Credit Reporting Act (FCRA), which gives you the right to dispute inaccurate or unverifiable information on your credit report. We work within the law to advocate on your behalf.

4. Do you guarantee results?

While we’ve helped many clients see improvements in their credit, results are never guaranteed. Every credit profile is unique, and outcomes depend on many factors including your credit history, current accounts, and how consistently you follow the process.

5. Can I do this on my own?

Absolutely— it takes time, patience, and knowledge of consumer protection laws and dispute processes. For our Credit Power plan and Fundable Foundation, we make it easier by handling the heavy lifting for you, providing expert guidance, and helping you build healthy credit habits for the future.

However, we now offer affordable Done For You products if its a better fit. You simply fill in your information and mail the letters off for results. You can access these products by visiting us at https://beacons.ai/erica.the.ceo 

6. Do you work with clients in all states?

Yes! We serve clients across all 50 U.S. states. No matter where you're located, you can receive support and personalized credit help through our fully virtual process.

7. Is the 4-month Credit Power plan right for me?

This Program is Perfect For:

• First-time homebuyers preparing for mortgage approval
• People with collections, late payments, or charge-offs
• Entrepreneurs and business owners needing strong personal credit
• Investors working to qualify for funding or property
• Anyone ready to take control of their financial future

8. Is the Fundable Foundation plan right for me?

This Investment is Perfect For:

• New entrepreneurs
• Small business owners ready to scale
• Solopreneurs & side hustlers becoming official
• Anyone tired of being denied funding due to lack of business credit