Scarlett Arrow's average client is enrolled in our program for 12 months or more.

Scarlett Arrow's Credit Management Program works in stages, similar to building a home; Planning, Building, Living. Each stage takes time and moves the client along the credit optimization process.

The first phase is the Dispute Phase (Planning), which works to remove any inaccurate, unverifiable information from your credit report and generally lasts about 6-9 months. This creates a baseline credit report containing only accurate information.

Next is the Never Denied Again Phase (Building) where we use our knowledge of the approval requirements for every credit card to help you get approved for progressively better and better credit cards, all the way up to the premium rewards cards with point bonuses, miles or cash back, beginning from your individual starting point after the Dispute Process.

Next are our Specialized Programs (Living) like our "Credit to Keys" Homebuyer Program or our Business Platinum Program, based on the needs of each individual client.

We highly recommend that if you are looking for amazing results in 3 or 4 months, then please do not sign up with our program. WE GUARANTEE that you WILL NOT get the results you want if you are not willing to walk the program all the way out.

Not at all. We are not a traditional "credit repair" company whose only service is to send disputes.

Many of our clients do not have any items they want disputed and enroll just for access to our "Credit to Keys" Homebuyer Program or our Business Platinum Program. We welcome clients at all different phases in their credit journey.

When done correctly, legally and ethically, disputing items on a credit report is a complex process, but should not be a years-long struggle.

Unless a case needs to go to arbitration or litigation, then any factual, procedural or compliance error that can potentially remove an account from a credit report can be found and leveraged within a 6-9 month time frame. Certainly we have had outlier clients that needed several more months before the disputes were successful, but those are the exceptions.

We are not one of those traditional "credit repair" companies that will file unsuccessful disputes for years on end just to be able to collect their monthly fee from you.

Unfortunately, we would consider any company that would claim they can do this to be a scam, and warn any consumer to actively avoid them.

Two problems: first, accounts don't get removed for being "negative"; in order for any account to be removed from your credit report, there needs to be a problem with the account information, either in the factual account data, the underlying compliance data or by way of a violation of a procedural process used by the creditor, reporting data furnisher or credit reporting agency. Any company who claims their services is to remove "negative information" from your credit report is dishonest, misrepresenting the dispute process, and should not be trusted.

Second, even by pursuing legitimate means to dispute the information you believe is questionable, very rarely will a client that have all of the disputed information removed.

BUT, that is not the end of the story for OUR clients.

We can still help our clients continue to add new lines of credit and build up to better and better approvals including high-limit credit cards or homeownership, even with some accounts on their credit report that might be considered "negative". We just have to help them build their credit around those potentially harmful accounts, and then keep building until those potentially harmful accounts are no longer hurting them.

Absolutely not, and you should run from any company that does.

Your credit score is the result of a complex formula, and most of what moves it is in your hands, not ours. We can be removing inaccurate items and helping you win approvals while a maxed-out card or a new late payment pulls your score down.

Here is another truth: Removing an old account can even dip your score for a short time because your credit history gets shorter. Our goal is not a vanity number next month. Our goal is to help you build a credit profile that gets you approved and to back our dispute work with a written Warranty, which no score promise can match.