Credit repair involves identifying and correcting inaccurate or outdated information on your credit report to help improve your credit score.
At Fonte Enterprise, we strictly follow all laws under the Fair Credit Reporting Act (FCRA) to ensure each dispute is compliant and legitimate.

Absolutely ✅ Credit repair is completely legal in the U.S.
We operate under federal consumer protection laws such as the Fair Credit Reporting Act (FCRA) and applicable State Finance Codes.
Because most credit reports contain some form of inaccuracy, we help ensure your information is represented fairly and accurately.

We offer Split Pay on Done-For-You (DFY) services — meaning you pay 50% upfront for setup, audit, and onboarding, and the remaining 50% after your verified Round 1 results are received (typically 30–45 days later).

After we’ve completed your first round of disputes and verified your initial results, your second payment will automatically process through your client portal.

Refunds are only allowed before work begins.
Once onboarding starts and dispute letters are generated, refunds are no longer available.
If a false chargeback occurs, a $500 fee applies and may be sent to collections.

Yes. You have up to 3 business days (or as your state law allows) to cancel for a full refund if no consultation or credit audit has occurred.
Refer to your signed “Notice of Right to Cancel” for full terms.

Yes. You can rejoin anytime by paying a $250 reinstatement fee plus any unpaid balance.

If payment is more than 5 days late and credit monitoring is inactive, your account can be dismissed.
If your monitoring remains active, you’ll receive a 5-day grace period.
At 10 days past due, your case will be paused and your client portal access revoked.

Our business hours are Monday through Friday.
All client messages are handled via the secure client portal to ensure proper documentation and protection of your case.

Yes — new accounts added to your credit report after onboarding can be disputed for a $75 per-item fee, paid in full at the time of submission.

Active credit monitoring is required for ongoing updates and report pulls.
If it stops, your case may be paused or dismissed until reactivated.

Results start showing in about 35–45 days after your first round of disputes.
A full repair process typically takes 4–6 months, depending on your report’s complexity.

Yes! You can choose between:

💻 Digital Consultation – No phone call needed, fast and private.

📞 Phone Consultation – Speak directly with a credit expert.

Visit our Consultation Page to book your session today.

Yes, you can reactivate anytime by contacting your assigned Credit Specialist to review your file and determine next steps.

Most clients begin to see verified deletions within 30–60 days.
We track and verify all updates through your active credit monitoring and client portal.