Frequently Asked Questions
Everything you need to know about credit repair, business credit, and funding.
Credit Repair
Our specialists analyze your credit reports from all three bureaus (Equifax, Experian, TransUnion) and identify inaccurate, unverifiable, or unfair items. Our team crafts custom dispute letters that challenge these items under the Fair Credit Reporting Act (FCRA). Bureaus have 30 days to verify disputed items -- if they cannot, they must remove them.
Absolutely. Your right to dispute inaccurate information on your credit reports is protected by the Fair Credit Reporting Act (FCRA). XCI GROUP operates in full compliance with the FCRA, Credit Repair Organizations Act (CROA), and all CFPB guidelines. We only challenge items that are inaccurate, unverifiable, or unfair.
Most clients see their first results within 30-45 days. Significant score improvements typically occur within 3-6 months, depending on the number and nature of items on your reports. Our proven process delivers results approximately 3x faster than traditional credit repair methods.
Results vary based on your unique credit situation. Our average client sees an 80+ point increase. Some clients with many inaccurate items have seen increases of 150+ points. Every journey is unique, and outcomes depend on the specifics of your credit profile.
Business Credit
Business credit is a credit profile tied to your business entity (LLC, Corporation) rather than your personal SSN. It allows you to access funding, vendor terms, and credit lines without personal guarantees. Strong business credit separates your personal and business finances, protecting your personal assets while giving your business access to capital.
With our proven process, most clients have a fundable business credit profile within 4-6 months. This includes entity formation, DUNS number registration, establishing starter tradelines, and building bureau profiles with Dun & Bradstreet, Experian Business, and Equifax Business.
No. We can help you form a business entity (LLC or Corporation) as part of our Business Growth or Empire Builder packages. However, you do need a legitimate business purpose -- we do not help create shell companies.
Funding
Personal funding clients typically access $25K-$150K in credit lines and loans. Business funding clients can access $50K-$5M+ depending on the funding type (SBA loans, business lines of credit, revenue-based financing). Your specific amount depends on your credit profile, business revenue, and time in business.
Final lending decisions are made by our lending partners. However, our specialists optimize your profile before applying and only submit applications when we are confident in your readiness. Our proven approach results in a 95% approval rate across our client base.
Our team connects clients with personal credit cards (including 0% APR options), personal loans, personal lines of credit, business credit cards, business lines of credit, SBA loans (7(a), 504, microloans), revenue-based financing, and equipment financing. Our specialists match you with the right products based on your profile.
Timeline & Pricing
Our plans start at $99/month for Credit Repair, $199/month for Credit + Funding, $299/month for Business Growth, and $499/month for our full-suite Empire Builder package. There are no long-term contracts -- you can cancel anytime. Visit our pricing page for full details.
No long-term contracts. All plans are month-to-month and you can cancel anytime. We believe in earning your business every month with real results, not locking you into commitments.
Yes. Our free assessment takes about 3 minutes and gives you a funding readiness score along with personalized recommendations. No credit pull required. After the assessment, you can schedule a free strategy call with our team to discuss your results and options.