Answers to the most common questions about our credit restoration process, enrollment, pricing, and what to expect.
Yes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report.
In short, we challenge the negative information affecting your credit by sending letters on your behalf to the bureaus. Simultaneously, we assist you with building credit to aid in increasing your credit score.
We can assist with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Credit monitoring is crucial being that it allows us to effectively track your progress, updates, and provides access to scoring information from all 3 credit bureaus. Each bureau has the ability to report different information (For example; you may have a collection with Transunion but not Experian). Free monitoring, such as Credit Karma, does not offer this.
You can start to see results in as little as 30-45 days. While there is no exact timeframe we can provide by law on how long it will take to complete your profile, we recommend being enrolled in the program at least 6 months. Depending on your credit profile, it may take longer.
Monthly fees reimbursed if no results within 180 days.
Yes, you can. However, be prepared in knowing it takes a lot of time and effort to effectively complete the job; including studying credit law to educate yourself, contacting creditors, collection agencies, the 3 bureaus, verifying information, settlements etc… Many people choose to have a credit expert complete the work on their behalf as it is their profession- similar to having a mechanic perform your car’s repair.
There is a contract that entails our service agreement, however, you may cancel at anytime.
Getting started is simple. After you enroll, we review your three-bureau credit reports, identify potentially inaccurate, incomplete, or unverifiable information, and develop a personalized strategy based on your unique credit profile.
Throughout the process, we also provide rebuilding recommendations designed to strengthen your overall credit profile. Credit restoration works best when legitimate dispute opportunities are combined with positive financial habits and responsible credit management
The best candidates for credit restoration are those who understand that improving a credit profile is a process – not a shortcut.
Our ideal clients are committed to improving their financial future by remaining current on their existing obligations, reducing debt when possible, following rebuilding recommendations, and allowing enough time for the process to work.
Credit restoration is also best suited for individuals who are financially prepared to commit to the process. Because rebuilding credit requires consistency, clients should be in a position to remain current on their bills, continue making positive financial decisions, and keep up with the monthly service while we perform ongoing work on their behalf.
If someone is struggling to stay current on existing obligations or is unable to consistently afford the monthly service, it may be better to first focus on stabilizing their finances before beginning credit restoration. Our goal is to address the past – not fight against new financial challenges that continue to arise during the process.
If you are looking for overnight results, guaranteed deletions, or a company that promises to fix your credit in a matter of months regardless of your situation, Sound Credit Solutions may not be the right fit. Unfortunately, unrealistic expectations and misleading marketing are a large reason the credit restoration industry has developed a poor reputation.
Consumers always have choices. You may dispute information yourself if you are willing to learn the applicable consumer protection laws and invest the necessary time and effort, or you may hire a professional to assist you. Credit restoration is an elective service, much like hiring a tax professional, financial advisor, attorney, or contractor. Many things can be done yourself, but many people choose to hire a professional to save time, stay organized, and receive experienced guidance throughout the process.
Our goal is to partner with clients who are committed to long-term financial success – not simply temporary score increases.
Yes. Consumers have the legal right to dispute information on their own credit reports. If you are willing to learn the applicable consumer protection laws, understand the dispute process, and invest the necessary time and patience, you can absolutely choose to handle the process yourself.
Credit restoration is an elective service. Many things can be done yourself, but many people choose to hire a professional to save time, stay organized, and receive experienced guidance throughout the process.
At Sound Credit Solutions, we never tell consumers they must hire us. Instead, we focus on handling the backend work involved in the restoration process so our clients can focus on the things only they can control – making payments on time, reducing credit card balances, avoiding new debt, and building positive credit habits
Whether you choose to do it yourself or hire a professional, patience, consistency, and realistic expectations are essential for long-term success.
Every credit report is unique, so there is no way to accurately predict when results will occur or how long the overall process will take.
Some clients may begin seeing positive changes within the first few months, while many others may not experience meaningful results until much later in the process. Both situations are completely normal.
The overall process may take just a few months for some clients, while others may require a year or longer, depending on the complexity of the credit report, the information being disputed, responses received from creditors and credit reporting agencies, and each client’s overall financial situation.
The pace of progress can also be influenced by a client’s ability to later pay or settle certain accounts when appropriate. Credit restoration is often a combination of identifying legitimate dispute opportunities, rebuilding positive credit history, and making sound financial decisions throughout the process.
It is important to understand that the goal is not simply to remove every negative account. The objective is to improve your overall credit profile by combining legitimate credit restoration with responsible rebuilding strategies and healthy credit habits.
Success also looks different for every client. Some clients achieve their financial goals long before every negative item is resolved. Once they qualify for a mortgage, auto loan, or reach the credit scores they were working toward, they may decide they have accomplished what they set out to do – and that is perfectly okay.
Results are rarely linear. Some clients experience early improvements followed by slower progress, while others see very little activity at first and receive significant results months later. We have had many clients receive some of their most meaningful results later in the restoration process. There is simply no reliable way to predict when results will occur.
Clients also play an important role in their success. New late payments, new collections, increasing credit card balances, or high credit utilization during the program can negatively impact scores, offset progress already made, and extend the overall timeline.
One of the biggest factors in a successful credit restoration experience is beginning the process with realistic expectations.
Credit restoration is not an overnight solution. Clients who understand this from the beginning are more likely to trust the process and avoid becoming discouraged if results do not happen immediately.
Consumers generally have three options:
Credit restoration should be viewed as an investment of both time and money, much like investing for retirement, education, or your overall financial future. Just as you would not expect an IRA or other longterm investment to produce significant returns overnight, improving a credit profile typically requires patience, consistency, and commitment.
Our goal is not simply to improve a credit score – it is to help build a stronger overall credit profile and financial foundation that benefits clients long after the restoration process is complete.
No. Credit restoration is not about removing accurate information simply because it is negative. Our goal is to identify information that may be inaccurate, incomplete, or cannot be properly verified under applicable consumer protection laws. If qualifying inaccuracies are identified, we work to have those issues corrected or removed when appropriate.
No. Under the Credit Repair Organizations Act (CROA), credit repair companies cannot legally guarantee specific results or promise that particular items will be removed within a certain timeframe.
Every credit report is unique, and results and timelines vary based on each client’s credit history, the information being reviewed, and the responses received from creditors and credit reporting agencies.
Our commitment is to provide ethical, compliant, and consistent credit restoration services while helping clients build stronger financial habits for long-term success.
Consumers should be cautious of advertising that creates unrealistic expectations.
Under the Credit Repair Organizations Act (CROA), credit repair companies cannot legally guarantee specific results or promise that particular items will be removed within a certain timeframe. Every credit report is different, and no company can accurately predict how creditors or credit reporting agencies will respond to disputes.
Unfortunately, the credit restoration industry has its share of companies that rely on unrealistic promises, aggressive marketing, or questionable practices to attract customers. This is one reason the industry has developed a poor reputation.
At Sound Credit Solutions:
Before choosing a credit restoration company, we encourage consumers to:
Trust should be earned through transparency, education, and proven client experiences – not promises no company can legally make.
Not always. In many situations, paying a collection before reviewing your credit reports may eliminate potential dispute opportunities. We generally recommend allowing us to review your reports first before deciding whether payment or settlement is the best option.
There may be times later in the process where paying or settling certain accounts makes sense as part of a broader strategy. The best approach depends on the account, the reporting, the client’s goals, and the overall credit profile.
Your participation plays an important role in achieving the best possible outcome.
We recommend that you:
Before applying for new credit, financing, refinancing, or making significant credit-related decisions, we encourage you to consult with us first. In many cases, waiting or choosing a different strategy can help prevent unnecessary inquiries, new debt, or other actions that could delay your progress.
Credit restoration works best as a partnership. While we focus on identifying legitimate opportunities to improve your credit profile, you control the financial decisions that influence your future success.
Our monthly service fee is:
There are no Sound Credit Solutions service fees due at enrollment. Your first monthly service fee is not charged until your initial round of work has been completed.
The only upfront cost is a $1.00, 7-day IdentityIQ trial membership, which provides the three-bureau credit reports needed to review your credit and begin developing your personalized strategy.
No Sound Credit Solutions service fees are charged during enrollment or during the first five days after enrollment.
During this period you may:
If you are ready to begin immediately, you may authorize us to waive the five-day waiting period so work can begin sooner.
If you decide not to continue, simply cancel your IdentityIQ membership before the 7-day trial ends to avoid future IdentityIQ membership charges.
If services continue, your IdentityIQ membership will continue as a separate monthly subscription billed directly by IdentityIQ, while Sound Credit Solutions will not charge its monthly service fee until your initial round of work has been completed.
Federal regulations require us to complete the enrollment process before providing case-specific phone consultations. This ensures compliance while allowing us to review your credit reports before discussing your individual situation.
Before enrollment, we are happy to answer general questions through email, website chat, or Facebook Messenger.
Once enrolled, you will receive:
Yes. Clients receive 24/7 access to a secure client portal where they can:
You can also download the Secure Client Access app for both Apple iPhone/iPad and Android devices to securely access your portal from virtually anywhere.
No. Our services are provided on a month-to-month basis with no long-term contracts. You may cancel at any time in accordance with your service agreement.
A current three-bureau credit report is essential for reviewing your credit, preparing disputes, monitoring changes, and tracking your progress throughout the restoration process. IdentityIQ provides the credit reports needed for us to perform our services.
No. We use a consumer disclosure credit report for analysis, which does not impact your credit scores.
The sooner you begin preparing for your financial goals, the better.
The clients who tend to have the most successful outcomes are those who plan ahead. If you are thinking about buying a home, financing a vehicle, or qualifying for better loan terms, it is generally best to begin the credit restoration process 12 months or more before you plan to apply whenever possible.
Waiting until just a few months before applying for financing can create unrealistic expectations. Someone with significant credit challenges who hopes to purchase a home within six months may simply not have enough time to address negative reporting, rebuild positive credit history, reduce debt, and improve other important scoring factors.
Credit rebuilding itself takes time. Positive payment history is established month after month – not overnight. In addition, many clients begin the process with elevated credit card balances. Paying those balances down throughout the program is often one of the most effective ways to improve a credit profile.
This is especially important because amounts owed, including credit utilization, account for approximately 30% of a FICO Score. High credit card utilization can significantly limit score improvement, even if negative items are corrected or removed.
We also recommend that clients discuss major credit decisions with us before applying for new credit, financing, or refinancing. This helps reduce the risk of unnecessary inquiries, new debt, or other decisions that could set progress backward.
Starting early gives you the greatest opportunity to improve your overall credit profile before you need it – not after.
Simply click Get Started, complete the enrollment process, and activate your $1 IdentityIQ 7-day trial. Once enrolled, we will review your credit reports, develop your personalized strategy, and support you every step of the way through your secure client portal, optional phone consultations, and ongoing guidance.
Getting started is simple. After you enroll, we review your three-bureau credit reports, identify potentially inaccurate, incomplete, or unverifiable information, and develop a personalized strategy based on your unique credit profile.
Throughout the process, we also provide rebuilding recommendations designed to strengthen your overall credit profile. Credit restoration works best when legitimate dispute opportunities are combined with positive financial habits and responsible credit management
The best candidates for credit restoration are those who understand that improving a credit profile is a process – not a shortcut.
Our ideal clients are committed to improving their financial future by remaining current on their existing obligations, reducing debt when possible, following rebuilding recommendations, and allowing enough time for the process to work.
Credit restoration is also best suited for individuals who are financially prepared to commit to the process. Because rebuilding credit requires consistency, clients should be in a position to remain current on their bills, continue making positive financial decisions, and keep up with the monthly service while we perform ongoing work on their behalf.
If someone is struggling to stay current on existing obligations or is unable to consistently afford the monthly service, it may be better to first focus on stabilizing their finances before beginning credit restoration. Our goal is to address the past – not fight against new financial challenges that continue to arise during the process.
If you are looking for overnight results, guaranteed deletions, or a company that promises to fix your credit in a matter of months regardless of your situation, Sound Credit Solutions may not be the right fit. Unfortunately, unrealistic expectations and misleading marketing are a large reason the credit restoration industry has developed a poor reputation.
Consumers always have choices. You may dispute information yourself if you are willing to learn the applicable consumer protection laws and invest the necessary time and effort, or you may hire a professional to assist you. Credit restoration is an elective service, much like hiring a tax professional, financial advisor, attorney, or contractor. Many things can be done yourself, but many people choose to hire a professional to save time, stay organized, and receive experienced guidance throughout the process.
Our goal is to partner with clients who are committed to long-term financial success – not simply temporary score increases.
Yes. Consumers have the legal right to dispute information on their own credit reports. If you are willing to learn the applicable consumer protection laws, understand the dispute process, and invest the necessary time and patience, you can absolutely choose to handle the process yourself.
Credit restoration is an elective service. Many things can be done yourself, but many people choose to hire a professional to save time, stay organized, and receive experienced guidance throughout the process.
At Sound Credit Solutions, we never tell consumers they must hire us. Instead, we focus on handling the backend work involved in the restoration process so our clients can focus on the things only they can control – making payments on time, reducing credit card balances, avoiding new debt, and building positive credit habits
Whether you choose to do it yourself or hire a professional, patience, consistency, and realistic expectations are essential for long-term success.
Every credit report is unique, so there is no way to accurately predict when results will occur or how long the overall process will take.
Some clients may begin seeing positive changes within the first few months, while many others may not experience meaningful results until much later in the process. Both situations are completely normal.
The overall process may take just a few months for some clients, while others may require a year or longer, depending on the complexity of the credit report, the information being disputed, responses received from creditors and credit reporting agencies, and each client’s overall financial situation.
The pace of progress can also be influenced by a client’s ability to later pay or settle certain accounts when appropriate. Credit restoration is often a combination of identifying legitimate dispute opportunities, rebuilding positive credit history, and making sound financial decisions throughout the process.
It is important to understand that the goal is not simply to remove every negative account. The objective is to improve your overall credit profile by combining legitimate credit restoration with responsible rebuilding strategies and healthy credit habits.
Success also looks different for every client. Some clients achieve their financial goals long before every negative item is resolved. Once they qualify for a mortgage, auto loan, or reach the credit scores they were working toward, they may decide they have accomplished what they set out to do – and that is perfectly okay.
Results are rarely linear. Some clients experience early improvements followed by slower progress, while others see very little activity at first and receive significant results months later. We have had many clients receive some of their most meaningful results later in the restoration process. There is simply no reliable way to predict when results will occur.
Clients also play an important role in their success. New late payments, new collections, increasing credit card balances, or high credit utilization during the program can negatively impact scores, offset progress already made, and extend the overall timeline.
One of the biggest factors in a successful credit restoration experience is beginning the process with realistic expectations.
Credit restoration is not an overnight solution. Clients who understand this from the beginning are more likely to trust the process and avoid becoming discouraged if results do not happen immediately.
Consumers generally have three options:
Credit restoration should be viewed as an investment of both time and money, much like investing for retirement, education, or your overall financial future. Just as you would not expect an IRA or other longterm investment to produce significant returns overnight, improving a credit profile typically requires patience, consistency, and commitment.
Our goal is not simply to improve a credit score – it is to help build a stronger overall credit profile and financial foundation that benefits clients long after the restoration process is complete.
No. Under federal law, no credit repair company can legally remove accurate, timely, and fully verified negative information from your credit report.However, consumer protection laws mandate that every piece of data on your report must be 100% accurate, complete, and legally verifiable. In reality, credit data is frequently plagued by reporting errors, mismatched balances, and incomplete documentation. Our service performs a deep compliance audit to identify these system flaws. If an item on your report is found to be inaccurate, incomplete, or entirely unverifiable by the reporting bureau, we work to ensure those specific reporting errors are legally corrected or removed in strict accordance with the law.
No. Under the Credit Repair Organizations Act (CROA), credit repair companies cannot legally guarantee specific results or promise that particular items will be removed within a certain timeframe.
Every credit report is unique, and results and timelines vary based on each client’s credit history, the information being reviewed, and the responses received from creditors and credit reporting agencies.
Our commitment is to provide ethical, compliant, and consistent credit restoration services while helping clients build stronger financial habits for long-term success.
Consumers should be cautious of advertising that creates unrealistic expectations.
Under the Credit Repair Organizations Act (CROA), credit repair companies cannot legally guarantee specific results or promise that particular items will be removed within a certain timeframe. Every credit report is different, and no company can accurately predict how creditors or credit reporting agencies will respond to disputes.
Unfortunately, the credit restoration industry has its share of companies that rely on unrealistic promises, aggressive marketing, or questionable practices to attract customers. This is one reason the industry has developed a poor reputation.
At Sound Credit Solutions:
Before choosing a credit restoration company, we encourage consumers to:
Trust should be earned through transparency, education, and proven client experiences – not promises no company can legally make.
Not always. In many situations, paying a collection before reviewing your credit reports may eliminate potential dispute opportunities. We generally recommend allowing us to review your reports first before deciding whether payment or settlement is the best option.
There may be times later in the process where paying or settling certain accounts makes sense as part of a broader strategy. The best approach depends on the account, the reporting, the client’s goals, and the overall credit profile.
Your participation plays an important role in achieving the best possible outcome.
We recommend that you:
Before applying for new credit, financing, refinancing, or making significant credit-related decisions, we encourage you to consult with us first. In many cases, waiting or choosing a different strategy can help prevent unnecessary inquiries, new debt, or other actions that could delay your progress.
Credit restoration works best as a partnership. While we focus on identifying legitimate opportunities to improve your credit profile, you control the financial decisions that influence your future success.
Our monthly service fee is:
There are no Sound Credit Solutions service fees due at enrollment. Your first monthly service fee is not charged until your initial round of work has been completed.
The only upfront cost is a $1.00, 7-day IdentityIQ trial membership, which provides the three-bureau credit reports needed to review your credit and begin developing your personalized strategy.
No Sound Credit Solutions service fees are charged during enrollment or during the first five days after enrollment.
During this period you may:
If you are ready to begin immediately, you may authorize us to waive the five-day waiting period so work can begin sooner.
If you decide not to continue, simply cancel your IdentityIQ membership before the 7-day trial ends to avoid future IdentityIQ membership charges.
If services continue, your IdentityIQ membership will continue as a separate monthly subscription billed directly by IdentityIQ, while Sound Credit Solutions will not charge its monthly service fee until your initial round of work has been completed.
Federal regulations require us to complete the enrollment process before providing case-specific phone consultations. This ensures compliance while allowing us to review your credit reports before discussing your individual situation.
Before enrollment, we are happy to answer general questions through email, website chat, or Facebook Messenger.
Once enrolled, you will receive:
Yes. Clients receive 24/7 access to a secure client portal where they can:
You can also download the Secure Client Access app for both Apple iPhone/iPad and Android devices to securely access your portal from virtually anywhere.
No. Our services are provided on a month-to-month basis with no long-term contracts. You may cancel at any time in accordance with your service agreement.
A current three-bureau credit report is essential for reviewing your credit, preparing disputes, monitoring changes, and tracking your progress throughout the restoration process. IdentityIQ provides the credit reports needed for us to perform our services.
No. We use a consumer disclosure credit report for analysis, which does not impact your credit scores.
The sooner you begin preparing for your financial goals, the better.
The clients who tend to have the most successful outcomes are those who plan ahead. If you are thinking about buying a home, financing a vehicle, or qualifying for better loan terms, it is generally best to begin the credit restoration process 12 months or more before you plan to apply whenever possible.
Waiting until just a few months before applying for financing can create unrealistic expectations. Someone with significant credit challenges who hopes to purchase a home within six months may simply not have enough time to address negative reporting, rebuild positive credit history, reduce debt, and improve other important scoring factors.
Credit rebuilding itself takes time. Positive payment history is established month after month – not overnight. In addition, many clients begin the process with elevated credit card balances. Paying those balances down throughout the program is often one of the most effective ways to improve a credit profile.
This is especially important because amounts owed, including credit utilization, account for approximately 30% of a FICO Score. High credit card utilization can significantly limit score improvement, even if negative items are corrected or removed.
We also recommend that clients discuss major credit decisions with us before applying for new credit, financing, or refinancing. This helps reduce the risk of unnecessary inquiries, new debt, or other decisions that could set progress backward.
Starting early gives you the greatest opportunity to improve your overall credit profile before you need it – not after.
Simply click Get Started, complete the enrollment process, and activate your $1 IdentityIQ 7-day trial. Once enrolled, we will review your credit reports, develop your personalized strategy, and support you every step of the way through your secure client portal, optional phone consultations, and ongoing guidance.
“Got approved for my mortgage after 45 days. They removed 4 collections I thought were permanent.”
Sarah J.
+114 Points
“The dashboard is insanely good. I watched my score jump every time a dispute cleared.”
Michael T.
+89 Points
“Legit credit hackers. Worth every penny. They handled the bureaus so I didn’t have to.”
David R.
+150 Points
Ready To Take the first step? Review how to get started and complete your secure online enrollment.
“Got approved for my mortgage after 45 days. They removed 4 collections I thought were permanent.”
Sarah J.
+114 Points
“The dashboard is insanely good. I watched my score jump every time a dispute cleared.”
Michael T.
+89 Points
“Legit credit hackers. Worth every penny. They handled the bureaus so I didn’t have to.”
David R.
+150 Points
We help you with credit issues, or if you just want to learn how to better your credit report.
We believe that being educated about credit goes hand in hand with maintaining a healthy credit profile. Be sure to browse through our Frequently Asked Questions. If your question is not listed here, feel free to reach out. We will gladly assist you.
The easiest ways to increase your credit score are paying down your balances and removing any negatives or inquiries from your credit report, and adding authorized users to your report.
A FAST HACK to increasing credit (personal or business) is to add backdated debt to your credit reports. In other words, you can buy someone’s old, paid-off debt and have it report to your credit. We refer to this as “Zombie Debt.” Download the DCN Zombie Debt course for step-by-step instructions.
Download our Free Credit Bundle for a “Secret Lender’s list” to see exactly where each institution pulls from.
Creating bank statements that make your business look like a 6-7 figure business is easy and COMPLETELY legal. Download the DCN bank statements course to learn step-by-step. Pair this with an LLC or better yet, an Aged Corporation to access high-limit funding at 0% APR.
Whether you are looking to lease an exotic car for Turo, or just looking for a personal vehicle, financing a vehicle is the way to go. Adding “Zombie Auto Debt” to your personal or business credit report is easy and doesn’t cost more than a few hundred bucks. Download the DCN Zombie Auto Debt course to learn not only WHERE and HOW to buy backdated auto debt, but how to ENSURE that it reports to your credit!
The fastest way to get funded as a business is with an Aged Corporation. Most banks will not even consider funding you if you are less than 2 years old. Check out our Aged Corporation’s to get funded FAST!
DCN provides personalized credit repair. See more information HERE and get ALL of our courses for free when you sign up!
we have been in business for over 5 years, and our experienced team works with intelligence and an efficient approach to go over the specific details of your credit history and help recover your credit.
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