Question 1

How long does credit repair take?

Accepted Answer

Most clients see initial results within 30–60 days. More complex cases with multiple collections, charge-offs, or bankruptcies may take 3–6 months. Each round of disputes follows the bureau's 30-day investigation window, so timelines depend on how many items need to be addressed. Results vary by individual.

Question 2

What's the difference between the three plans?

Accepted Answer

Essential ($150 setup + $99/mo) gives you one dispute round per cycle with all 3 bureaus — best for straightforward credit issues. Accelerated ($249 setup + $199/mo) doubles your disputes per round, includes ChexSystems and Innovis coverage, and disputes directly with debt collectors — best for faster results. Momentum ($1,095 one-time) gives you 6 full rounds prepaid at Accelerated speed with no monthly fees — best for complex profiles that need multiple rounds.

Question 3

Do I need credit monitoring?

Accepted Answer

Yes. Active credit monitoring through SmartCredit ($29.95/mo) is required for all plans. It allows our team to pull your credit reports, track deletions in real time, and measure your score improvements each round. You'll have full access to your SmartCredit dashboard to follow along. You can set it up at smartcredit.com/crownedcredit.

Question 4

Are there any hidden fees?

Accepted Answer

No. You pay a one-time setup fee + monthly service fee (or a single payment for Momentum). The only additional cost is SmartCredit monitoring at $29.95/mo. That's it — no surprise charges, no hidden add-ons.

Question 5

Can I cancel anytime?

Accepted Answer

Yes. Essential and Accelerated plans are month-to-month with no long-term contracts. You can cancel at any time with a full pro-rata refund on unused service — no fees or penalties.

Question 6

Is credit repair legal?

Accepted Answer

Absolutely. Credit repair is protected by the Fair Credit Reporting Act (FCRA), which gives every consumer the right to dispute inaccurate, unverifiable, or outdated information on their credit reports. We exercise those rights on your behalf using fully compliant methods. We are not attorneys and do not provide legal advice.

Question 7

Will disputing hurt my credit score?

Accepted Answer

No. Disputing items on your credit report does not lower your score. When negative items are successfully removed, your score goes up. There is zero risk to filing legitimate disputes.

Question 8

Can I upgrade my plan later?

Accepted Answer

Yes. You can upgrade from Essential to Accelerated at any time. If you'd like to switch to the Momentum plan, contact us and we'll help you transition. A partial credit may be applied depending on your account status.

Simple, Transparent Pricing

Client-Friendly From Day One

Compare Plans Side by Side

Essential

Accelerated

Momentum

Specialized Services

Inquiry Removal

ChexSystems Removal

EWS Removal

Frequently Asked Questions

Ready to Improve Your Credit Score?