Frequently asked questions.

Yes. We abide by both federal and specific state laws, ensuring our fulfillment company and your dealership both remain compliant. Because we don't charge your clients for credit repair, there is zero liability for you. (Their only cost is a monthly credit report, which many dealerships reimburse if the customer returns to purchase a vehicle.)

Yes. We can train online, or our corporate team can visit in person to train your entire salesforce. (Dealer may be responsible for travel and expenses.)

On average about 90 days, because we do things the right way — making sure that once we remove credit challenges, they don't reappear. That said, we've seen improved scores in as little as two weeks.

You're not paying for leads. We're perfecting YOUR leads and returning them to you once they reach a higher credit score. We can bill on a subscription basis, similar to other service providers, and flex that billing based on how leads come back to you.

You see each customer's credit changes before they do, through your dealer progress portal. You decide when to pull a specific customer back onto the lot. Many dealerships also offer a VIP discount to returning Fierce members — money off the sticker, free oil changes, parts discounts — which builds loyalty to the referring dealership.

Only 4–7 minutes. A quick 5-step process verifies identity and keeps everyone compliant.

Ideally the Finance Manager or the salesperson with the existing relationship — whoever informed them of the credit issue, since they have the most recent contact. They'll be trained to enroll members easily. We don't recommend simply handing the prospect a landing page to fill out alone.

Many dealerships keep a database of past turndowns. We work with your marketing team to provide proven introductory emails you can send through that database, with a link to sign up or learn more.

We give a single point of contact full access to drill into the system, view all submissions, and pull progress reports anytime. That person is thoroughly trained.

Each location is treated as a separate entity. We build a custom landing page for each physical address and sync it in our CRM to keep each lead stream separate — so leads never go to the wrong dealership.

We take on the liability up front, working for months before any remuneration. That said, in some cases we can work out an arrangement based on how many locations onboard and their projected turndown rate.

We've worked with more than 115,000 clients over 20+ years to improve their credit — and more than 200,000 customers nationwide overall.

We've worked with more than 100,000 clients facing challenges just like those and have been successful in removing negative, inaccurate items from credit reports. We're confident we can help in similar circumstances.

No. Our work results in permanent deletion of negative, inaccurate items. We use the FCRA and CROA to hold the bureaus accountable to the laws created to protect consumers. Even if a late payment occurred, it may not have been reported correctly — and if an investigation finds an item was added without proper documentation or procedure, it can be challenged and removed.

Yes. Even though we won't be compensated for work we do for your employees, we're happy to enroll them — they become the best testimonials for the program.

Usually within a week or less, depending on the onboarding schedule. All we require to start is a signed agreement and onboarding fee.

Yes. We provide complimentary tabletop displays with a QR code pointing to your custom landing page. Banners, pop-up vinyl signage, and other options are available for a nominal fee.

That's up to you. Some dealerships have legal review and add disclaimers; others must approve landing pages with the auto manufacturer. For example, we already have approval from INFINITI for their landing pages and marketing materials.

The frustration: salespeople sometimes don't enroll their turndowns, preferring the next warm body over building a closed-lead pipeline for tomorrow. The benefit: we maximize the marketing dollars you already spend, bringing everyone possible back to the dealership. Our motto is "No Credit Score Left Behind."

About 60% return with improved credit scores. It's not 100% because some people aren't willing to change their financial habits — if we remove 10 negative items but they add two new late payments, that's two steps forward and one step back. They make progress, but may not reach the needed score.