The Credit Goat
How It Works
1. Sign Up
Choose your package and complete payment. All sales are final.
2. Complete Onboarding
Create your portal, sign the agreement, and upload your documents. Work starts only after onboarding is done.
3. Activate Credit Monitoring
Monitoring must stay active the whole time or your file pauses.
4. Credit Analysis
We review your full 3-bureau report and upload your analysis to your portal.
5. Disputes Sent
We send FCRA-backed disputes to all 3 bureaus based on your package.
6. Track Updates in Your Portal
All letters, results, and next steps are posted in your Safe Client Access portal.
7. Enjoy Your Results
Cleaner reports lead to higher scores and better approvals.
Credit Repair Plans
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The Credit Goat
Frequently asked questions
What is the return policy?
All sales are final. Because credit repair and credit analysis services involve time, labor, and immediate digital processing, we do not offer refunds, partial refunds, or credits of any kind once payment is submitted.
By enrolling, you agree to:
- No refunds
- No cancellations once work has begun
- No chargebacks or payment disputes (this is considered fraud and will result in account termination and documentation sent to the proper agencies and merchant processor)
Clients are responsible for completing onboarding, submitting documents, and keeping credit monitoring active. Failure to do so does not qualify for a refund or chargeback.
This policy is strictly enforced to protect both parties and maintain service integrity.
How long does the credit repair process take?
Every client is different, and no company can legally guarantee a specific outcome or timeline. Most clients start seeing updates within30–45 days, but full results depend on your reports, the bureaus, and your cooperation. Credit repair is a process — not an overnight miracle.
What do I need to get started?
All clients must complete the full onboarding process, sign the service agreement, upload required documents, and maintainactive credit monitoringthrough the approved provider. Without all steps completed, no work can begin.
Do I need credit monitoring?
Yes.Credit monitoring is mandatoryfor every client. It allows us to track updates, pull accurate data, and monitor changes from all three bureaus. If your monitoring is turned off, paused, or canceled, your services will be delayed until it is active again.
Can you guarantee results or deletions?
No credit repair company can legally guarantee specific deletions or outcomes. What we CAN guarantee is that we use FCRA-backed dispute methods, aggressive strategies, and compliant processes to push for maximum improvements.
Level up your credit with a system tailored to you — precise, powerful, and built to get you closer to your goals