Answers to your questions.
Clear, honest answers to the questions we hear most. If you don't see yours, just reach out.
General
We provide credit restoration support, financial education, and personalized financial guidance. In practice, that means reviewing your credit reports with you, helping you understand what's on them, explaining the dispute process when information may be inaccurate, and giving you the knowledge to make informed decisions.
Anyone who wants to better understand their credit — from people rebuilding after financial setbacks to those preparing for a major purchase. We serve clients remotely, with a focus on Florida.
Call 561-376-5357 or email Dignocredit@gmail.com. You can also request a free consultation through our website.
Credit Restoration
The process may involve reviewing your credit reports, identifying potentially inaccurate or incomplete information, and helping you understand appropriate dispute procedures and credit education. We guide you through each step honestly and clearly.
Accurate and timely negative information generally cannot be removed simply because a consumer wants it removed. Information that is inaccurate, incomplete, or unverifiable may be eligible for dispute under federal law.
Timeframes vary based on individual circumstances, credit reporting practices, and applicable procedures. We never promise a specific timeline or outcome.
Consultations
Yes. The initial consultation is completely free, with no obligation to purchase anything. Any charges that may apply to optional services will be clearly disclosed before you agree to anything.
We'll talk about your goals and concerns, answer your questions, and explain which services — if any — may be relevant to your situation. Nothing is decided in this conversation. If it helps, have recent credit reports handy, but it isn't required.
Pricing & Services
The initial consultation is free. Pricing and applicable terms for any paid services are provided to you in writing before you agree to purchase. There are no hidden fees.
You don't need to figure that out alone — that's the point of the free consultation. We'll recommend only what fits your situation, or tell you honestly if you don't need a paid service at all.
Expectations
No. Credit scores depend on multiple factors, and no specific increase or outcome can be guaranteed. Any company that promises a guaranteed score increase should be approached with caution.
We provide education and guidance to help you make informed decisions. Individual financial outcomes vary and depend on many factors, including your own financial behavior over time.
Legal & Compliance
A federal law that regulates credit repair organizations. Among other protections, it prohibits charging for services before they are fully performed and prohibits false or misleading claims about services. We structure our practices, contracts, and disclosures with these requirements in mind.
You can obtain a free copy of your credit report from each nationwide consumer reporting agency once every 12 months at AnnualCreditReport.com or by calling 1-877-322-8228. You also have the right to dispute inaccurate information directly with the consumer reporting agencies at no cost.