Frequently Asked Questions
What is credit repair?
Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit report to improve your credit score.
How does credit repair work?
We analyze your credit report, identify negative items that may be incorrect or unfair, and work with credit bureaus and creditors to challenge and remove them.
Is credit repair legal?
Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) and other laws protect your right to dispute inaccurate information on your credit report.
How long does credit repair take?
The process typically takes 3 to 6 months, but the timeline can vary depending on the number and complexity of disputes.
Can I repair my credit on my own?
Yes, you have the legal right to dispute errors on your credit report yourself. However, professional credit repair services can save you time and improve your chances of success.
What negative items can be removed from my credit report?
We can help dispute and potentially remove inaccurate, outdated, or unverifiable items such as:
• Late payments
• Charge-offs
• Collections
• Bankruptcies
• Repossessions
• Foreclosures
• Judgments
Can you remove accurate negative information?
No, accurate and verifiable negative items cannot be legally removed. However, we can help you build positive credit and negotiate with creditors to improve your situation.
How will I know if my credit is improving?
We provide regular updates on your progress and recommend checking your credit reports monthly to track changes.
Will credit repair help me get approved for a loan?
A better credit score can improve your chances of getting approved for loans, credit cards, and better interest rates. However, approval depends on multiple factors, including income and debt-to-income ratio.
Do you offer a money-back guarantee?
We offer a satisfaction guarantee based on our service terms. If we cannot remove any inaccurate or unverifiable items within a specified period, you may be eligible for a refund.
How much does credit repair cost?
Our pricing varies depending on the services you choose. We offer monthly plans or one-time fees, and we’ll discuss all costs upfront.
Do you charge upfront fees?
No, per the Credit Repair Organizations Act (CROA), we do not charge upfront fees before services are performed.
Are there any hidden fees?
No, all costs are disclosed before you sign up for our services.
How can I check my credit score?
You can check your credit score through free services like AnnualCreditReport.com, your bank, or credit monitoring services.
Will credit repair affect my credit score?
Credit repair can potentially improve your score by removing incorrect negative items. However, results vary for each individual.
Does using your service guarantee a higher credit score?
No company can guarantee specific score increases, but removing inaccurate negative items can improve your score.
What’s the difference between a credit report and a credit score?
A credit report details your credit history, while a credit score is a numerical representation of your creditworthiness based on that report.
What can I do to improve my credit score?
• Pay bills on time
• Keep credit card balances low
• Avoid opening too many new accounts
• Check your credit reports for errors regularly
Will closing a credit card help my credit?
Closing a credit card can sometimes hurt your credit score, as it may reduce your available credit and affect your credit utilization ratio.
Can I build credit without a credit card?
Yes, options include credit-builder loans, rent reporting services, and becoming an authorized user on someone else’s credit card.