FAQS

Frequently Asked Questions

What is credit repair?

Credit repair is the process of identifying and addressing inaccurate, outdated, or unfair negative items on your credit report. We work with the credit bureaus and creditors to challenge information that cannot be verified or should not be reported, helping improve your overall credit standing and financial opportunities.

How long does credit repair take?

Every situation is different. Some clients begin seeing positive changes in 30–60 days, while others may take 3–6 months or longer, depending on the number and type of items being disputed. We stay with you throughout the process and update your plan as progress is made.

Can you guarantee results?

No ethical credit repair company can guarantee a specific score increase. What we do guarantee is:

• Diligent dispute processing

• Transparent communication

• Professional support

• A personalized plan designed to help you move forward successfully

We work hard to get you the best results possible.

What types of negative items can be removed?

We can dispute negative items that are inaccurate, unverifiable, or outdated, including:

• Late payments

• Collections

• Charge-offs

• Medical debt

• Repossessions

• Identity theft accounts

• Bankruptcy or public record errors

If the item is valid and reported correctly, we provide strategies to rebuild and balance it out.

Do I need good credit to get started?

No. That’s exactly what we’re here for.
You don’t need to be in a certain score range. We meet you where you are and create a step-by-step path forward.

Will credit repair hurt my credit?

No. Credit repair does not harm your credit. The dispute process simply requests verification of the information being reported. If the creditor or bureau cannot verify it, they must remove or correct it by law.

Is credit repair legal?

Yes. Your right to dispute inaccurate or unfair credit information is protected under federal law — specifically the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). We use these laws to advocate on your behalf.

What should I expect after signing up?

You’ll receive:

1. Full credit report review

2. Customized improvement plan

3. Monthly updates and communication

4. Guidance on credit-building habits

We work with you, not just for you.

Do you offer payment plans?

Yes. We believe financial help should be accessible.
We offer flexible payment options so you can start improving your credit without stress.

Still Have Questions? We’re here to help — and we respond quickly.