Question 1

How does credit building with 28Solutio work?

Accepted Answer

You choose a credit line between $300 and $99,999. We open an Installment Sales Contract through our Denefits partnership that reports directly to Equifax. Every on-time monthly payment gets reported, building your payment history — the single biggest factor in your credit score at 35%. No hard credit pull to apply. A $39 one-time enrollment fee gets you started.

Question 2

Which credit bureaus do you report to for credit building?

Accepted Answer

Credit building tradelines report to Equifax only. This is separate from credit repair — our AI dispute letters go to all three bureaus (Equifax, Experian, and TransUnion) to remove negative items.

Question 3

How fast will I see results?

Accepted Answer

Your tradeline typically shows on your Equifax report within 30-45 days of your first payment. For disputes, bureaus have 30 days to investigate under the FCRA. Most clients see meaningful score improvement within 60-90 days combining both credit building and dispute removal.

Question 4

Will applying hurt my credit score?

Accepted Answer

No. We do not run a hard credit inquiry. Applying has zero impact on your score. We only report positive payment history to Equifax to help build your credit.

Question 5

What are the credit line terms?

Accepted Answer

Credit lines range from $300 to $99,999 with 0% interest to you. Denefits charges a 15% platform fee from your monthly payments plus a 0.5% payout fee. A one-time $39 enrollment fee applies when you start. Payment terms run 1 to 99 months — you pick the amount and term that fits your budget. Every payment reports to Equifax as an Installment Sales Contract.

Question 6

How is credit building different from credit repair?

Accepted Answer

Credit building adds positive payment history to your report through an Equifax tradeline. Credit repair removes negative items (late payments, collections, charge-offs) by disputing them with all 3 bureaus using FCRA case law. We do both — build and repair at the same time.

Question 7

What's the difference between Debt Consolidation and Debt Arbitration?

Accepted Answer

Debt Consolidation: you pay 28% of what you owe in a single payment, we take over the rest. Minimum $100K in debt. Resolution in 30-90 days. Debt Arbitration: we challenge the debt itself — proving you don't owe it or that collectors broke the law (FDCPA violations). No upfront cost. We only get paid if we win.

Question 8

How does the 28% debt consolidation work?

Accepted Answer

You owe $150K? You pay us $42,000 (28%) and we assume the full debt. We negotiate with creditors, handle all communication, and resolve the accounts. You make one payment and walk away. The minimum qualifying debt is $100,000.

Question 9

What if I owe less than $100K?

Accepted Answer

If your total debt is under $100K, Debt Arbitration is the right option. We challenge the debt through FDCPA and FCRA violations — wrong amounts, expired statutes of limitations, improper collection practices. No upfront fee. If collectors broke the law, you may be owed damages.

Question 10

Can you stop debt collection calls and harassment?

Accepted Answer

Yes. We file FDCPA (Fair Debt Collection Practices Act) claims against collectors who call at wrong hours, threaten legal action they can't take, or fail to validate the debt. This often stops calls within days. Statutory damages are $1,000 per violation, plus actual damages.

Question 11

What happens to my credit score after debt resolution?

Accepted Answer

After consolidation, settled accounts may show as 'settled for less than owed' which can temporarily impact your score. That's where our credit building comes in — we pair debt resolution with an Equifax tradeline to rebuild your score while the negative marks age off. Most clients see net improvement within 6-12 months.

Question 12

How much does it cost?

Accepted Answer

$39 down payment to start, then your monthly plan: Builder at $28/mo, Pro at $49/mo, or Enterprise at $149/mo. Every plan includes a 7-day trial. Credit building is separate — you choose your own credit line amount ($300-$99K) and pay monthly through Denefits at 0% interest.

Question 13

What does the Builder plan ($28/mo) include?

Accepted Answer

5 AI dispute letters per month, disputes filed with all 3 bureaus, certified mail at $9.99/letter, score simulator, and a 90-day removal guarantee. Best for people with a few negative items who want to fix their credit on a budget.

Question 14

What does Pro ($49/mo) add over Builder?

Accepted Answer

Unlimited AI dispute letters (no monthly cap), 3 certified mails included free each month (extras at $7.99), and access to debt arbitration (no win, no fee). Best for people with multiple negative items across all 3 bureaus.

Question 15

What does Enterprise ($149/mo) include?

Accepted Answer

Everything in Pro, plus 15 certified mails/month included (extras at $5.99), API access, and up to 10 team members. Built for agencies and professionals managing multiple clients.

Question 16

How does Sue Smart pricing work?

Accepted Answer

Sue Smart has no upfront fee — we only get paid when you win. Pro plan: 25% of recovered damages. Enterprise: 20%. You still pay court filing fees ($50-$225 depending on venue). If you don't win, you owe nothing for Sue Smart.

Question 17

What are the add-on services?

Accepted Answer

3-Letter Bundle ($85/dispute): all 3 letters in the FCRA sequence sent via certified mail. Proof of Service ($25/package): court-ready documentation of everything sent.

Question 18

What guarantees do you offer?

Accepted Answer

90-Day Removal Guarantee: at least one negative item removed or modified within 90 days, or your subscription is refunded. Sue Smart is win-when-you-win — you pay nothing unless we get results. 30-day money-back on all plans if you're not satisfied.

Question 19

How is my personal data protected?

Accepted Answer

We use bank-level 256-bit AES encryption for all data at rest, TLS 1.3 for data in transit, and SOC 2-compliant infrastructure. Your credit reports and personal information are never shared with third parties. We follow strict GDPR and CCPA data protection standards.

Question 20

Can I cancel my subscription at any time?

Accepted Answer

Yes. You can cancel your subscription at any time from your dashboard under Settings > Billing. Your access continues through the end of your current billing period. There are no cancellation fees or long-term contracts.

Question 21

What if I miss a credit builder payment?

Accepted Answer

We offer a grace period and will work with you to get back on track. We provide payment reminders and flexible options to help you maintain your payment history. Our goal is your success, not penalties.

Question 22

Do you share my information with third parties?

Accepted Answer

We only share information with the credit bureaus (to report your tradeline) and with service partners strictly necessary to deliver our services (e.g., USPS for certified mail, Denefits for payment plans). We never sell your data.

Got Questions? We Have Answers

Credit Building

Still Have Questions?

Got Questions? We Have Answers

Credit Building

Still Have Questions?