FAQ

Credit repair involves identifying and disputing errors, inaccuracies, or outdated information on your credit report. The process generally includes reviewing your credit reports from the three major bureaus (Equifax, Experian, and TransUnion), disputing any incorrect items (such as late payments, collections, or accounts that don’t belong to you), and working to get them corrected or removed. Credit repair can be done by yourself or through professional services.

Yes, credit repair companies can help improve your credit score, but only if the negative information on your credit report is inaccurate, outdated, or unverifiable. They cannot legally remove accurate negative information. They work by reviewing your credit reports, disputing errors with the credit bureaus, and following up on these disputes until they are resolved.

The time required to repair your credit depends on the complexity of your credit history and the number of errors being disputed. In general, it may take 3-6 months for noticeable improvements. The credit bureaus have 30 days to respond to disputes, but the process can be ongoing if additional documentation is needed or if disputes are rejected.

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate information on their credit reports. Credit repair companies must comply with legal requirements, including providing a contract outlining your rights, and they cannot demand payment before performing services (according to the Credit Repair Organizations Act).

Yes, you can repair your credit on your own. You have the right to request free copies of your credit report, dispute errors, and follow up with the credit bureaus without hiring a credit repair company. However, many people opt to use credit repair services for convenience, expertise, and to ensure that all disputes are handled efficiently.