"Fico Fairy removes, collections, late payments, charge-offs, student loans, medical bills, repossessions, evictions, broken leases, public judgments, bankruptcies, Identity theft & more. With the wave of her magic wand and sprinkles FICO Fairy dust to help your credit sparkle and shine brighter. We work to challenge inaccurate, outdated, or unfair items on your credit report—With guided strategies, education, and consistent action, many clients begin seeing positive changes in as little as 30 days. We stand behind our process with a 90-day money-back guarantee, because helping your credit glow is our magic."