Don’t #1
Apply for new credit while we’re actively repairing
Hard inquiries + new accounts can drop scores and complicate our timing.
Don’t #2
Respond to emails/letters from credit bureaus without our guidance
Unreviewed replies can contradict filings and reset timelines.
Don’t #3
Cancel or pay credit builders late (e.g., Kikoff, Self, etc.)
Builders are your positive signals—late marks erase momentum.
Don’t #4
Write or send your own dispute letters while we’re working
Parallel disputes create mixed messages and stall results.
Don’t #5
Hire another credit repair company at the same time
Two firms = conflicting tactics and documentation issues.
Don’t #6
Open or close accounts impulsively
Changes utilization and average age—key scoring inputs.
Don’t #7
Run high balances or large purchases you can’t clear quickly
Utilization spikes can hide dispute progress.
Don’t #8
Ignore bills or take on payday/short-term loans
New derogatories reset momentum and strain cash flow.
Don’t #9
Change addresses/names on bureaus without telling us
Untracked changes can misroute mail and slow verification.
Don’t #10
Delay required documents or skip portal updates
We can’t proceed without the right docs on time.
Don’t #11
Post private credit details on social media/forums
Public posts can expose data and derail negotiations.
Don’t #12
Deactivate your report access or monitoring (Credit Hero Score / CFPB)
We need continuous access to verify changes and time next steps.
Don’t #13
File chargebacks without contacting us
Chargebacks disrupt service and conflict with active work.
Always
When in doubt—ask us first
A quick message before you act can save weeks of back-and-forth.
Note: Service windows, dispute rounds, and policies are as stated in your agreement and our policy pages. When unsure, always message us first.