Question 1

What is credit repair?

Accepted Answer

Credit repair involves reviewing your credit reports for inaccurate, outdated, or unverifiable information, then disputing those items with the credit bureaus. This is your right under the Fair Credit Reporting Act (FCRA).

Question 2

Can you guarantee a specific score increase?

Accepted Answer

No, and any company that guarantees specific results should be avoided. We provide thorough, professional dispute services, but outcomes depend on each individual's credit history. Many clients see meaningful improvement, but results vary.

Question 3

Can accurate negative items be removed?

Accepted Answer

No legitimate credit repair company can remove accurate information. We focus on items that are inaccurate, outdated, or unverifiable. Accurate negative items typically remain for 7 years (10 years for bankruptcies).

Question 4

Is credit repair legal?

Accepted Answer

Yes. Your right to dispute inaccurate credit information is protected by the Fair Credit Reporting Act (FCRA). Credit repair companies are regulated by the Credit Repair Organizations Act (CROA).

Question 5

What happens after I sign up?

Accepted Answer

We review your credit reports from all three bureaus, identify disputable items, build a personalized strategy, and begin filing disputes on your behalf. You'll receive updates throughout the process.

Question 6

Do I need to do anything during the process?

Accepted Answer

Very little. We handle the dispute process for you. Occasionally we may ask you to provide documentation or verify information, but we do the heavy lifting.

Question 7

How do disputes work?

Accepted Answer

We submit formal dispute letters to the credit bureaus challenging specific items on your report. The bureaus have 30 days to investigate and respond. If they can't verify the information, it must be removed or corrected.

Question 8

How long does credit repair take?

Accepted Answer

Most clients begin seeing results within 30 to 90 days, but the full process typically takes 3 to 6 months depending on the number and complexity of items. Some cases may take longer.

Question 9

When will I see my first results?

Accepted Answer

Typically within 30 to 45 days after we submit your first round of disputes. We'll notify you as soon as we hear back from the bureaus.

Question 10

What if a dispute doesn't work?

Accepted Answer

We have multiple strategies available, including re-disputing with additional documentation, requesting the method of verification, or escalating the matter. We'll always be transparent about what's working.

Question 11

How does pricing work?

Accepted Answer

Every case is different, so pricing is custom to your situation. After your free consultation and credit analysis, we'll provide a clear written quote that covers everything included. You'll know exactly what you're paying for before any work begins.

Question 12

Can I cancel anytime?

Accepted Answer

Yes. There are no long-term contracts. Cancel at any time without penalty. We believe our work should speak for itself.

Question 13

What payment methods do you accept?

Accepted Answer

We accept all major credit and debit cards. Payments are processed securely on a monthly basis with receipts for every transaction.

Question 14

Is my personal information safe?

Accepted Answer

Yes. We use industry-standard encryption and security protocols. Your data is never shared with third parties and is only used for the purpose of your credit repair services.

Question 15

Are you regulated?

Accepted Answer

Yes. We operate in compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). All services are provided in accordance with federal consumer protection laws.

Realquestions.Honestanswers.

Understanding Credit Repair

How Our Service Works

Timeline & Expectations

Costs & Payments

Legal & Safety

Still have questions?