Frequently Asked Questions

Credit repair is the process of identifying and disputing inaccurate or outdated information on your credit report. The goal is to remove negative items that shouldn’t be there and help improve your overall credit score.

Most clients start seeing results within 30–45 days, but full credit restoration can take three to six months, depending on the number of items being disputed and how quickly the credit bureaus respond.

Yes — credit repair is something you can do on your own. However, many people choose professional help to save time and ensure their disputes are handled correctly. Our service provides customized letters and guidance (or we handle it entirely for you).

Common items include collections, charge-offs, late payments, inquiries, repossessions, bankruptcies, and medical bills — essentially, any account or remark that is inaccurate, unverifiable, or outdated.

Credit repair can improve your score by removing inaccurate items, but it’s only one part of the process. Building positive credit through responsible use of new accounts and on-time payments is equally important.

It depends on your plan. Our DIY plan provides all letters ready to send, while our Premium and Pro plans handle the entire dispute process on your behalf.

Yes — absolutely. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate or unverifiable information on your credit report. We simply help you exercise that right effectively.