THE PROGRESS

How Keith Gets Results

A proven, law-compliant process that has worked for Pittsburgh-area clients for over 20 years.

1

Free Consultation

Keith reviews your credit reports from all three bureaus — Equifax, Experian, and TransUnion — to identify inaccurate, unverifiable, or unfair items eligible for dispute.

2

Contract & Disclosure

You receive a CROA-compliant written contract, the required "Consumer Credit File Rights" disclosure, and a full explanation of your 3-day cancellation right. No fees are due yet.

3

Dispute & Advocate

Keith submits targeted disputes to credit bureaus and, when applicable, directly to furnishers. He monitors responses, escalates where necessary, and applies FCRA and FDCPA protections throughout.

4

Results & Payment

You see the changes on your credit report. Only after services are fully performed are fees due — in compliance with CROA and Pennsylvania's Credit Services Act. Keith then guides your next steps.

What if my credit
isn't fixed?

Keith stands behind his work with a results-backed service guarantee. He doesn't believe in collecting payment for ineffective service. If agreed-upon deletions are not achieved, you will not owe for that work.

Note: Under CROA and the Pennsylvania Credit Services Act, no fees are charged before services are performed. A written contract specifying all terms, services, and your cancellation rights is provided before any work begins. Specific guarantee terms are stated in your individual contract.

  • Written contract provided before any service begins

  • CROA-required "Consumer Credit File Rights" disclosure given at signing

  • 3-business-day right to cancel at no cost

  • No payment required until services are fully complete

  • Pennsylvania surety bond filed with PA Dept. of State

100%

No payment before
services are performed

Required by Pennsylvania Credit Services Act
73 P.S. § 2183