How It Works (3 Quick Steps)

1) Sign Up & Payment Verification
Complete the secure form and pay. Once payment is received and verified, you’ll get a Welcome Email from One Percent Group (1% Group) with Client Portal access.

2) Portal Login & Docs
Log in, then upload any missing docs (photo ID, proof of address, SSN card if requested). E-sign our Missouri-governed Terms & Disclosures. Keep your credit monitoring active.

3) Audit → Disputes
After we have accurate info, we perform a credit audit, identify dispute targets, and submit to Experian, Equifax, and TransUnion. You’ll see “Disputes Submitted” and ongoing progress/score updates inside your portal.

Standard Option (Most Popular)

• We prepare and file your dispute round quickly; the credit bureaus typically complete their investigation in ~30 days (may extend to 45 days if they request more info).
• You’ll see status updates and results inside your Client Portal as the bureaus post them.

Expedited Handling (Fast-Track Submission)

• Your audit and dispute filings are prioritized and submitted within 1–2 business days (fastest queue).
• While the bureaus control their statutory timelines, fast submission + proactive follow-ups help you see responses as soon as they’re released.

If an Item Is Verified or Reinserted

• You get unlimited dispute rounds while enrolled—we’ll re-challenge verified or reinserted items (with appropriate documentation) at no additional service fee.
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Note: We target inaccurate, unverifiable, or outdated items with Experian, Equifax, and TransUnion. Results and timing depend on the bureaus and furnishers; no specific deletions or score outcomes are guaranteed.