FREQUENTLY ASKED QUESTIONS

Every file is different. Some clients see results in 30–45 days, others take 3–6 months. It depends on how many items need to be disputed, how the bureaus and creditors respond, and the complexity of your file. We work aggressively from day one.

We challenge inaccurate, unverifiable, and non-compliant items including late payments, collections, charge-offs, repossessions, foreclosures, bankruptcies, judgments, medical bills, student loans, public records, hard inquiries, and identity errors. All items are challenged based on accuracy, compliance, and applicable consumer protection laws.

Absolutely. Credit repair is 100% legal and protected under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA). You have the legal right to dispute any inaccurate information on your credit report.

We handle everything. You don’t write letters, call bureaus, or track responses. Our team manages your entire file — disputes, escalations, follow-ups, and strategy adjustments. You just monitor your progress through our app.

You can cancel your contract with ImproveU LLC without penalty or obligation within 5 business days from the date you signed. After that, since our plans are one-time payments with no recurring contracts, there’s nothing to cancel — the work continues until completion.

Most clients see their first round of results within 30–45 days after disputes are sent. Some items are removed faster than others. We send new rounds every 30–45 days and track progress in real-time through your dashboard.

Yes. Every client is protected by our written, contract-backed 90-day guarantee. If you don’t see real, verifiable credit improvement in your first 90 days, you get a full refund of your program fee. No runaround. No fine print.

SmartCredit is a 3-bureau credit monitoring service that gives us (and you) real-time access to your Experian, Equifax, and TransUnion reports. It’s the only ongoing requirement because we need to see your reports to track changes, identify items to dispute, and measure progress.

Yes. We work with lending partners who understand that credit is a journey. Depending on your profile, you may qualify for certain funding products even while we’re actively repairing your credit. Our business funding team can assess your options.

Yes. While ImproveU is based in Fresno, California, we serve clients nationwide. Credit repair is handled remotely through disputes sent to the three major bureaus, so your location doesn’t matter.

You’ll need a valid government-issued ID, your Social Security card (or SSN), and proof of address dated within the last 30 days (utility bill, bank statement, etc.).

The Reset (Tier 1) includes up to 6 dispute rounds with standard mail. The Unlimited (Tier 2) includes unlimited rounds with certified mail and advanced escalations. The Blueprint (Tier 3) is our highest level — handled personally by James with direct access, legal escalations, and includes our 90-Day Homeowner Program.

Depending on your plan, disputes are sent via standard mail (Tier 1) or certified mail with tracking (Tier 2 & 3). Certified mail creates a legal paper trail that adds pressure to bureaus and creditors to respond properly.

Under the FCRA, bureaus have 30 days to investigate a dispute. If they don’t respond within that window, the item must legally be removed from your report. We track every deadline and escalate when bureaus fail to comply.

Yes. Our 90-Day Homeowner Program (included in Tier 3 or available separately) is specifically designed to get you from denied to approved. We repair your credit, position your file for lender approval, and connect you with our in-house senior loan officer for pre-approval.

Yes, SmartCredit is a separate subscription (approximately $24.95/month) that you maintain directly with SmartCredit. This is the only ongoing cost — it’s not charged by ImproveU.

Most companies use bots and generic templates. We don’t. Every file is manually reviewed. Every dispute is custom-built. You get direct access to our team — including James himself on Tier 3. Plus, our 90-day money-back guarantee means we put our money where our mouth is.

Yes. We offer a limited-time partner enrollment — when you and your partner both enroll in The Blueprint (Tier 3) at the same time, one file is included at no extra cost.