Frequently Asked Questions

CREDESSES builds a personalized financial profile and capital readiness plan. We help you understand what is holding you back, follow a documented action plan, and provide lawful assistance with inaccurate credit information where one exists. We do not guarantee outcomes.

No. We do not guarantee credit score increases, approvals, funding, or the removal of accurate information. Any improvement depends on the specific data, applicable law, and what the consumer reporting agencies or furnishers determine.

No. Accurate, current, and verifiable information does not have to be removed. We only assist with information you believe is inaccurate or incomplete, and we do so based on the facts you provide.

For credit repair services, federal law (the Credit Repair Organizations Act, 15 USC 1679b) prohibits charging before the service is fully performed. Required disclosures are provided regardless of payment. Payment timing depends on the specific service and applicable law, which we review with counsel before implementing any billing model.

Yes. You have the right to dispute inaccurate or incomplete information yourself, for free, with the consumer reporting agencies and furnishers. We explain your options and can assist where you choose to engage us.

It is an internal planning indicator we use to organize your financial profile. It is not a credit score, a lender decision, or a guaranteed outcome. It helps us see what is strong and what needs work.

Yes. We have a separate business credit pathway. Business credit files, business structure, and business funding readiness are distinct from personal credit. We keep those tracks separate.

We do not publish licensing or compliance badges we cannot substantiate. Our legal obligations, filings, and compliance status are reviewed with a Washington attorney. This site does not claim a status that has not been verified.