Question 1

How does credit building with 28Solutio work?

Accepted Answer

You choose a credit line between $300 and $99,000. 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 one-time $39 down payment activates your Denefits plan — once that is down, your benefits kick in and your on-time payments start reporting to Equifax.

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 disputing — our AI dispute letters go to all three bureaus (Equifax, Experian, and TransUnion) to challenge 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 $99,000 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 down payment activates the plan 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. Disputing removes negative items (late payments, collections, charge-offs) by challenging them with all 3 bureaus using FCRA case law. We do both — build new history while you dispute the errors.

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 prepare statute-cited challenges to the debt itself — validation demands and FDCPA/FCRA violation claims that you review, sign, and send. Document prep is part of the Pro plan.

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 prepare statute-cited challenges to the debt — wrong amounts, expired statutes of limitations, improper collection practices — and you send them. Document prep is part of the Pro plan. If collectors broke the law, you may be owed statutory damages.

Question 10

Can you stop debt collection calls and harassment?

Accepted Answer

Yes — the FDCPA (Fair Debt Collection Practices Act) gives you claims against collectors who call at wrong hours, threaten legal action they can't take, or fail to validate the debt. We prepare the statute-cited demand and complaint; you send and file them. This often stops calls within days. Statutory damages run up to $1,000, 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

A $39 one-time 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 our 90-day results-or-refund promise. Best for people with a few negative items who want to clean up their report 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), debt-arbitration document prep, and the full Sue Smart toolkit — court-ready filing and default-judgment packets included at no extra charge. 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

Flat fees — you keep 100% of what the court awards you. The filing packet and default-judgment packet are included with the Pro plan ($49/mo) at no extra charge. Not a subscriber? They're available à la carte: filing packet $99, default-judgment packet $149. Court filing fees ($30–$300 depending on venue and claim size) are paid directly to the court. Never a percentage of your judgment.

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 results-or-refund — and 'results' means something specific: at least one disputed negative item deleted or corrected on at least one bureau's report within 90 days. If that doesn't happen, your subscription payments are refunded. Plus a 30-day money-back promise on all plans if you're not satisfied. Cancel anytime from your account settings — no calls required.

Question 19

Is 28Solutio a credit repair organization? Why can you charge before results?

Accepted Answer

We're self-help software, not a credit repair organization: you review, sign, send, and file your own documents — we never contact bureaus on your behalf, never take a percentage of your recovery, and never promise an outcome. What you pay for is delivered the moment you pay: the letter or packet generates instantly — the $35 buys a document, not a promised future outcome, which is why we can charge before your dispute resolves. The 90-day results-or-refund promise is a voluntary refund policy on top of that, not an outcome guarantee. Full detail in our Self-Help Disclaimer.

Question 20

Which states do you cover?

Accepted Answer

Deadline tracking, jurisdiction rules, and dispute letters: 49 states + DC — Connecticut is the one state still being mapped, coming soon. Court-ready lawsuit forms today: California and Texas, plus the federal FCRA complaint kit; AAA arbitration works nationwide.

Question 21

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 22

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 23

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 24

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?