By law, we cannot promise or guarantee an specific timeframes or outcomes. On average, our client are enrolled in our programs between 4-6 months. Most clients begin to see results within the first 45 days of enrolling. However, depending on an individuals' needs and program, you could have a shorter or longer time frame. Credit repair and credit building does take time. There's no magic "EASY" or "QUICK" button. However, we do go after all inaccurate and negative accounts all at once, which decreases the time line. Most credit repair companies will offer a low monthly price, but they are usually only disputing a couple items at a time to keep you enrolled for longer periods of time to earn more money.

All of our communication will be via email and SMS messages. We do offer one-on-one phone calls by appointment only. These appointments are usually reserved for paying clients who have enrolled in our personal consulting programs. If you have any questions, please email us at info@flowmentum.app.

Yes we do! We understand that some individuals need to make monthly payments towards their services. At the time of sign up you will be able to select the payment options that best suits your budget. If you do agree to a payment plan, we do expect you to make your payments on the agreed upon due date. There is a 3 day grace period from the payment due date. Late payments will automatically accrue a 10% late fee of the total amount due. (For example: When a $500.00 payment becomes past due, the new payment due is $550.00.)

We require for all clients to be enrolled in credit monitoring through our partner IdentityIQ. We have an special discount that provides access to all 3 credit reports from Experian, Equifax, and TransUnion for just $21.99/mo. (Save $9/mo!) All clients must keep their accounts active while enrolled in our programs. Upon completion of our services, you are able to cancel your subscription simply by logging into your account. We do highly recommend keeping your credit monitoring, because maintaining good credit is a lifestyle. 85% of our clients continue to keep their credit monitoring to maintain their success.

Yes! Credit repair organizations can help consumers improve their credit by addressing inaccurate negative items on their credit reports. Credit repair companies attempt to address inaccurate or unfair negative items on customers’ credit reports that can negatively affect their credit scores. To ensure consumers and potential buyers of credit repair services are treated fairly and given accurate information before making a purchase, Congress passed the Credit Repair Organizations Act in 1996 . CROA protects consumers from credit repair companies advertising deceptive or false information.