Questions, answered.

Yes. Credit repair is a federally regulated industry governed by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). These laws give you the right to dispute inaccurate, incomplete or unverifiable information — and allow companies like GYCG to do it on your behalf under a written contract.

It depends on your starting point and how far through the six phases you go. Phase 1 typically takes one to six months. Building all the way to SBA lending is usually a 12–24 month journey. No company can promise a specific timeline, because the bureaus, creditors and lenders make the final decisions.

Credit counseling — usually from nonprofits — focuses on budgeting and debt-management plans. GYCG is a results-based execution firm: we dispute inaccurate items, build your personal and business credit profiles, and prepare you for funding.

$1M is the potential top of Phase 6, where SBA loans are typically sized at 3–4× documented net income — roughly $1M on $250K of net income. Whether you reach that depends on your profile, revenue and lender decisions. We’ll tell you honestly in your consultation which phase is realistic for you.

We only dispute information that is inaccurate, outdated or unverifiable. Accurate negative information generally can’t be removed — so we build a strategy around it: adding positive history, managing utilization and moving you forward in the phases anyway.

No. We never charge for credit-repair services before they’re performed. Every client receives a written contract describing the services, timeline, payment terms and your cancellation rights before any work begins.

Yes. You can cancel your contract without penalty or obligation within 3 business days of signing it. Send cancellation in writing by email or certified mail.

On the Done For You tier, qualified clients who complete all engagement requirements, keep communication open and don’t take independent actions that contradict the methodology are guaranteed at least $50,000 in accessed funding — or the fee is refunded. The full conditions are in the service agreement.

Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Our DIY tier gives you professional tools and templates to do exactly that.

A copy of your state ID, your Social Security card, and a utility bill or car registration with the same address. Documents are collected through our secure client portal — never through this website.

No. Each phase builds what the next one requires — lenders in Phase 6 expect what Phases 1–5 produce. The sequence is the system.