Every client's credit situation is different, so we can't promise a timeline. Here's how it works: the credit bureaus generally have 30 days to look into each dispute, and most files take a few rounds. Before you sign up, we'll give you a written estimate of how long your plan should take.

No credit repair company can legally guarantee specific results. We act as your advocate, disputing inaccurate or unverifiable items on your behalf, and providing structured guidance to help you build stronger financial habits and work toward a healthier credit profile.

Yes. We prioritize confidentiality and professional handling of client information throughout the diagnosis and recovery process.

Yes. Credit Doctor focuses on financial education and helping clients better understand their credit history, reporting, and long-term financial wellness.

Call (832) 229-1117 or fill out the form on our Contact page, and Shane will set up your free credit diagnosis over the phone. Already talked with Shane? Go straight to Begin Treatment to sign up.

Plans are $109 or $139 a month, and you're only billed after each month's work is done. Your Credit Diagnosis is free and there's nothing to pay at signup. See our Pricing page for details.

Yes. You have the right to dispute errors directly with the credit bureaus for free, and you can get free copies of your credit reports at AnnualCreditReport.com. We handle the disputes and follow-up for people who'd rather have help.

Yes. You can cancel for any reason before midnight of the 3rd business day after you sign, and our plans are month to month after that. Your service agreement explains everything.

No. Accurate, up-to-date information can stay on your report. We only dispute items that are inaccurate, unverifiable, or outdated, and we'll help you understand everything else on your report.

About 30 minutes and any questions you have. You don't need to order any reports. If you decide to move forward, you'll set up a credit monitoring account in your own name through the link we send you. It connects securely to our software, which pulls in your credit reports. The monitoring service bills you directly. You'll also get the Credit Tracker app so you can follow your progress.

We serve clients across Texas. If you're outside Texas, call or fill out the form and Shane will let you know.