Frequently Asked Questions

Credit repair is the process of reviewing your credit reports and disputing information that may be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act, you have the right to dispute such items, and the credit bureaus must investigate. It is not a way to remove accurate, current negative information.

A credit repair company helps you review your Equifax, Experian, and TransUnion reports, identify items that may be inaccurate or unverifiable, and organize documented disputes to the bureaus and, when appropriate, the companies that furnished the information. It can also provide education and ongoing support. It cannot legally remove accurate information.

Yes. Credit repair is legal and your rights are protected by federal law, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). Legitimate companies must follow these laws — including providing a written contract and honoring your right to cancel.

It varies by individual credit profile. Credit bureaus generally have 30 days to investigate a dispute (up to 45 in some cases), so meaningful change often takes several dispute cycles over a few months. Anyone promising instant results should be treated with caution.

You can dispute any information you believe is inaccurate, incomplete, or unverifiable — such as accounts that aren’t yours, incorrect balances or payment statuses, duplicate entries, outdated items, or unauthorized inquiries. Accurate and current negative information cannot be removed simply because it is unfavorable.

No. No legitimate credit repair company can legally guarantee the removal of any specific item or a specific score increase. Any company that promises guaranteed results may be violating the Credit Repair Organizations Act. Results vary by individual credit profile.

Typically your government-issued ID, proof of address, and access to your credit reports from all three bureaus (available free at AnnualCreditReport.com). Any supporting documents — such as payment receipts or letters from creditors — help make disputes more specific and effective.

FICO scores are based on five factors: payment history (35%), amounts owed / utilization (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Paying on time and keeping balances low have the largest impact.

Yes. You can request your free reports, identify errors, and send disputes to the bureaus and furnishers yourself at little or no cost — as the FTC notes. Many people choose professional help to save time and get guidance, especially with multiple errors or identity theft.

We review your reports, identify items that appear inaccurate, and prepare specific, documented disputes. Under the FCRA, bureaus must investigate most disputes — usually within 30 days — and correct or remove information they cannot verify. We track results and follow up when new information is available.

If a bureau verifies an item, you can request the method of verification, submit additional supporting documentation, or dispute directly with the furnisher under FCRA §623. Accurate items generally remain; the best long-term strategy is on-time payments and low balances over time.

Yes. Because each bureau may report different information, we review all three reports and address items with the relevant bureau and, when appropriate, the company that furnished the information.

Both range from 300 to 850 and use similar credit data, but they weigh factors differently and are built by different companies (FICO by Fair Isaac; VantageScore jointly by the three bureaus). FICO requires about six months of history to score you; VantageScore can score a file after about one month, which can help people new to credit.

We use transparent, flat-rate pricing and, as required by the Credit Repair Organizations Act, we do not charge for services before they are performed. You’ll receive a written agreement describing services, costs, and your cancellation rights before you commit. Contact us for a free evaluation.

The Credit Repair Organizations Act (15 U.S.C. § 1679) protects consumers by prohibiting upfront fees, requiring a written contract, giving you three business days to cancel without penalty, and barring any company from guaranteeing specific results or advising you to create a false credit identity.

Most negative items — including late payments, collections, and charge-offs — generally remain for seven years from the original delinquency date. Most bankruptcies remain for up to ten years. Accurate items cannot be removed early simply because they are unfavorable.

Under the Fair Debt Collection Practices Act (§809), when a debt collector first contacts you, you have 30 days to request written validation of the debt. Until the collector provides validation, it must pause collection activity. This is a tool to confirm that a collection is accurate and truly yours.