It’s a structured 90-day credit program for $197. We review your credit information from Equifax, Experian and TransUnion, build a personalized action plan, and provide up to three dispute rounds when disputes are appropriate.

You also get credit education, rebuilding guidance and client portal access so you can follow your progress.

We review how collections, charge-offs, late payments, repossessions, hard inquiries, medical debt, student-loan and rental-related reporting, bankruptcies, personal-information errors, and duplicate or unfamiliar accounts are being reported.

When something appears inaccurate, incomplete, outdated or unverifiable, disputes are prepared based on the facts of your file. Having one of these accounts on your report doesn’t mean it can or will be removed.

No. No credit repair company can legally remove accurate, current information from your credit report, and anyone who promises that is a red flag.

Our work focuses on information that may be inaccurate, incomplete, outdated or unverifiable, along with helping you build stronger credit habits going forward.

Paying a collection doesn’t automatically remove it. An accurate collection can generally remain on your report for up to seven years from the original delinquency, even after it’s paid, though it may update to show a paid or zero balance.

We review how it’s reporting to see whether anything about it is inaccurate or incomplete.

Yes. You have the right to dispute inaccurate information directly with the credit bureaus and the companies reporting it, at no cost.

Clients choose Burch Credit & Co. for the organized process: a three-bureau review, a personalized plan, dispute preparation, education and progress updates, so they’re not figuring it out alone.

Both. Along with dispute support, the program includes credit education, rebuilding guidance, credit-utilization and balance-management education, and guidance on protecting the positive accounts you already have.

Credit bureaus and creditors commonly respond within about 30 to 45 days, and sometimes longer. The program runs 90 days so there’s time for up to three dispute rounds when appropriate, with each response reviewed before the next step.

Every file is different, so there’s no set timeline for any particular result.

No. Every credit profile is different, and no particular deletion, score increase, approval, funding amount or timeline is promised or guaranteed.

What you can count on is a structured process, progress updates in your client portal, and a plan based on your individual file.

Credit-report investigations and rebuilding take time, and enrollment doesn’t guarantee your credit will be ready by any particular deadline.

If you have an application coming up soon, it can help to understand your complete credit profile before you apply. The questionnaire asks about your timeline so we can talk through what makes sense for you.

Your client portal shows your progress updates, and our team communicates with you through the portal and email. Checking both regularly is part of the program.

The program is $197 for 90 days. There are two other costs to know about:

• Active three-bureau credit monitoring is required and may carry a separate monthly cost, paid directly to the monitoring provider.
• Additional collections or inquiries added to your report after enrollment may require a $75 service fee per item.

Your agreement spells out all fees and payment timing before you sign.

Monitoring lets the available information from all three bureaus, along with responses and changes, be reviewed throughout the program. Without active monitoring, your file can’t be reviewed or updated, so it needs to stay on for the full 90 days.

1. Complete the questionnaire on this page.
2. Review the agreement, disclosures and cancellation terms, then complete enrollment.
3. Complete your onboarding form and securely upload your government-issued ID, Social Security documentation and proof of address.
4. Activate the required credit monitoring.

Onboarding communication generally begins within 24 to 72 business hours after all required information has been received.

Sensitive documents are collected only through secure onboarding. Never send your ID, Social Security information, account numbers or credit-report login by text or email, and don’t enter them on the questionnaire.

Yes. Your credit services agreement explains your cancellation rights, including your federal right to cancel within three business days of signing without penalty or obligation. Please read the cancellation notice before you enroll.

Credit repair is not legal representation and does not stop court deadlines, so please don’t ignore court papers.

Let us know in the questionnaire so a team member can review your situation, and consider speaking with a qualified consumer attorney right away.

Tell us in the questionnaire. Possible identity theft is reviewed by a team member before anything is disputed, and supporting documents are requested through secure onboarding only.

You can also report identity theft to the Federal Trade Commission at IdentityTheft.gov.

Yes. Burch Credit & Co. works with clients nationwide.

Please use your client portal for questions, updates and document submissions, so everything stays with your file.