Frequently Asked Questions

Credit Coach provides AI-powered credit analysis, dispute preparation, and credit improvement support. We analyze your credit report to identify negative items and potential inaccuracies, prepare and mail dispute letters on your behalf, and provide personalized behavioral recommendations to help improve your credit profile over time.

Your AI-powered credit analysis begins immediately once we receive your credit report. Within minutes, you will have a detailed breakdown of findings and a personalized action plan ready to review.

Credit bureaus are required to investigate disputes within 30 days. However, results vary based on individual circumstances. Some clients see changes within the first round of disputes, while others may require multiple rounds. We cannot guarantee specific outcomes or timelines.

Yes. All plans include dispute preparation for all three major credit bureaus — Equifax, Experian, and TransUnion.

Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report directly with the credit bureaus at no cost. Credit Coach provides a service to assist you through this process with professional analysis and dispute preparation.

We offer three plans: Starter ($59/month), Pro ($99/month), and Elite ($129/month). Each plan includes different levels of service and bonuses. There are no hidden fees or setup charges. Visit our pricing page for full details.

Yes. There are no long-term contracts. You can cancel your subscription at any time through your account dashboard. Your service will remain active through the end of your current billing period.

We provide a free initial overview of your credit situation before you commit to a paid plan. This allows you to understand what we have found before deciding to proceed with our full service.

We accept all major credit and debit cards through our secure payment processor. All transactions are encrypted and your payment information is never stored on our servers.

Yes. We use bank-level encryption (AES-256) and follow strict data security protocols. Your personal and financial information is protected and never shared with unauthorized third parties. We comply with all applicable data protection regulations.

No. Credit Coach is not a law firm and does not provide legal advice. We provide credit analysis, dispute preparation, and credit improvement support services. If you need legal advice regarding your credit situation, we recommend consulting with a qualified attorney.

No. We do not and cannot guarantee specific results, deletions, or score improvements. Results vary based on individual circumstances. Any company that guarantees specific credit repair outcomes is not being truthful. We provide professional analysis and dispute preparation to help you address potential inaccuracies on your credit report.

Your credit report data is stored using encrypted systems and is only accessed by authorized team members working on your case. We retain your data only as long as necessary to provide our services and comply with legal requirements. You can request deletion of your data at any time.