Do I have to come into the Gilroy office?
No. Everything can be handled by phone and email, and plenty of our clients never come in. The office is there if you'd rather go through your reports face to face — some people find that easier than reading a credit report alone at the kitchen table.
Do you work with people outside Gilroy?
Yes. We regularly work with clients in Morgan Hill, San Martin, Hollister, San Jose and across the South Bay, as well as clients elsewhere in the country. Credit reporting is governed by federal law, so the dispute process is the same wherever you live.
I'm buying a house in South County. How far ahead should I start?
Earlier than most people think. Disputes take time to work through the bureaus, and lenders look at your file as it stands the day you apply. If you're planning to buy within the year, starting now gives the process room to work before an underwriter pulls your credit.
Can you guarantee I'll qualify for a mortgage or a car loan?
No, and you should be cautious of anyone who says otherwise. Lending decisions belong to the lender and depend on income, debt, down payment and the property as well as credit. What we can do is make sure the credit portion of that picture is accurate.
Is Lifeify connected to other businesses at the same address?
Lifeify operates as its own business. If you've seen another company associated with this suite in an online listing, it isn't us — please contact us directly using the phone number or email on this page so we can help you reach the right place.
What does it cost?
We have two plans, both billed monthly, plus a one-time audit fee to get started. Full details are on our pricing section, and we'll go through the terms with you on your free consultation before anything is signed.
Do you speak Spanish?
[CONFIRM] Nearly six in ten Gilroy residents are Hispanic or Latino, so this question comes up constantly and the honest answer needs to come from you, not from me. If you have Spanish-speaking staff, say so here plainly - it is one of the strongest local differentiators available to this page. If you do not, this FAQ should be deleted rather than fudged.
What does credit repair cost, and is the audit fee refundable?
Two plans: Basic at $129 a month, which covers dispute work, and Premium at $199 a month, which adds collection validation and debt settlement negotiation. Both start with a $200 audit fee, which is not refundable. Enrollment runs for a six-month term. Federal law also gives you three business days from signing to cancel your contract at no cost, and that right cannot be waived.
Why does working with a local company matter for credit repair?
For the dispute mechanics, honestly, it does not - that process is federal and runs the same from anywhere. Where local knowledge earns its keep is in what we tell you to aim for. Knowing that Gilroy sits in the high-balance conforming band, that Morgan Hill purchases usually go jumbo, and that most Hollister buyers stay under the baseline limit changes the advice we give about what your score needs to do and by when.
