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FAQs

Honest answers to the questions we hear most before your consultation.

What makes Mesa Group different?

At Mesa Group, we believe everyone deserves to be treated with respect and guided with real expertise — regardless of where their credit stands today. From the moment you enroll, you're assigned a dedicated Client Success Manager. One person who knows your name, your file, and your goals from day one to the finish line. We use the Mesa360 Credit System™ — built on over half a decade of banking industry insight, federal consumer law, and real-world credit expertise. Every dispute is custom-built around your specific situation. And we don't just work your file — we teach you how credit actually works so what we build together lasts long after your program ends.

What can I expect after I sign up?

From day one, your dedicated Client Success Manager handles your full onboarding and gets your client portal set up so everything is ready immediately. Within 24 hours your file is reviewed and your custom strategy is built around what's specifically hurting your profile. Every 35 days your Client Success Manager sits down with you — what was disputed, what was removed, what's in progress, and what comes next. You'll always know exactly where you stand. And throughout your entire program, we're coaching you on how to build the positive side of your credit at the same time so your score has somewhere to go.

Are your credit specialists qualified?

Yes. Our team is trained in FCRA, FDCPA, and consumer credit law, with years of hands-on experience working real files and real situations. Every dispute is handled in-house — nothing is outsourced, nothing is templated. And when creditors or bureaus step out of line, we bring in licensed consumer protection attorneys on your behalf. You have rights under federal law. We make sure they're respected.

Will this help me qualify for a car or home loan?

That's exactly what we're building toward. Our goal isn't just to improve a number — it's to get you approved for the things that matter. The home. The car. The business funding. We work to remove the roadblocks holding your profile back, build the positive credit history lenders want to see, and optimize your profile so when you're ready to apply, you're walking in prepared. Your Client Solutions Advisor will give you a clear picture of what's possible for your specific situation during your free consultation.

How much do your services cost?

Your consultation is completely free. After that, plans start at $149/month depending on your situation and goals. All Mesa360 plans require an active SmartCredit subscription at $27.99/month — and we want to be upfront about that from the very beginning. SmartCredit is the only platform that fully integrates with the Mesa360 Credit System™, giving your Client Success Manager live access to your Experian, Equifax, and TransUnion reports so every dispute is filed with precision and nothing gets missed. You keep full control of your account and see everything we see. There are no hidden fees. Everything is disclosed upfront and in your contract before you sign anything.

Can Mesa Group remove negative items from my credit report?

Yes — if those items are inaccurate, outdated, incomplete, or unverifiable. Using federal consumer law, we challenge those accounts directly with the credit bureaus and creditors. If they can't prove the information is correct, it must be removed. We want to be honest with you: we do not dispute accurate, verifiable information. What we do is fight hard for everything that doesn't belong on your file — and in our experience, there's almost always more there than people realize.

How long does the credit repair process take?

Most clients start seeing measurable results within 35 to 45 days. Full credit restoration typically takes 4 to 6 months depending on the complexity of your situation. During your free consultation, your Client Solutions Advisor will give you an honest, realistic timeline built around your specific profile — not a number designed to get you to sign up. What we can tell you is that the work starts immediately and you'll have complete visibility every single step of the way.

Your next chapter starts with one conversation.