Frequently Asked Questions
What is credit repair, and how does it work?
Credit repair is the process of improving your credit report by identifying and disputing errors or outdated negative information that may be lowering your score. It typically begins by reviewing reports from all three major credit bureaus — Equifax, Experian, and TransUnion — and checking for inaccuracies such as late payments reported in error, unauthorized accounts, or old collections that should no longer appear. Once identified, these items can be disputed and potentially removed. While you can attempt this process on your own, many people prefer to work with credit repair professionals for faster and more effective results.
Can Credit Repair Companies Really Boost Your Score?
Yes, credit repair companies can potentially improve your credit score — but only to the extent that the negative entries on your report are inaccurate, outdated, or unverifiable. What they cannot do is remove legitimate negative entries. What they do is thoroughly review your credit reports, challenge any inaccuracies with the credit bureaus, and work to have incorrect or unverifiable items removed. The result can be a meaningfully higher credit score and a more accurate credit profile.
How Long Does Credit Repair Take?
Credit repair timeline depends on the difficulty of your credit history and how much is going to be disputed. You usually obtain results within 3 to 6 months. Credit reporting agency takes usually up to 30 days to investigate each dispute, but the whole process can take additional days if additional evidence is needed or some disputes must be re-submitted.
Is Credit Repair expensive
Credit repair can cost anywhere from $99 to $1000 depending on the city state and the professional service you hire to assist
Is credit repair legal?
In fact, credit repair is entirely legal in American legislation. By virtue of the Fair Credit Reporting Act (FCRA) enforced, there is a consumer right to be able to contest false or misleading information within credit reports. Reputable credit repair companies are legally obliged in this regard as well, by the Credit Repair Organizations Act (CROA) that requires them to give you a brief contract that outlines your rights and that prohibits them from charging fees before the provision of service.
How Do You Know Your Credit Repair Is Working?l?
We keep you informed every step of the way. You’ll get monthly progress reports showing how your credit score is improving. Need help or have questions? Our team is always here for you.
Can Credit Repair Help After Identity Theft?
Yes, we can help. If someone stole your identity, we’ll take action fast. We work to remove fake accounts and wrong items from your credit report. Our goal is to protect your credit and keep your future safe.
Why Choose Credit-Repair Over Others?
We’re not like other credit repair companies. Our team includes skilled attorneys who give legal support you can trust. We don’t just fix your credit, we help you build strong, lasting results for your future.