How Credit Repair Works
Federal law gives you the right to dispute any item on your credit report you believe is inaccurate, unverifiable, or outdated. Credit repair specialists in our network challenge negative items with the three bureaus — Equifax, Experian, and TransUnion — and fight to have them removed. Many clients see improvements in 30-90 days.
What Items Can Be Removed?
Any item that is inaccurate, unverifiable, or outdated can potentially be removed — including late payments, collections, charge-offs, repossessions, bankruptcies, and even some hard inquiries. Items that are accurate and current generally cannot be removed, but specialists can help you build positive credit history to improve your overall score.
Frequently Asked Questions
Is credit repair legal?
Yes. The Fair Credit Reporting Act (FCRA) gives every American the legal right to dispute inaccurate credit report items. Credit repair specialists simply use this legal process on your behalf.
How long until I see results?
Most clients see initial results within 30-60 days, with substantial improvement over 3-6 months depending on the complexity of the report.
How much does credit repair cost?
Pricing varies by provider, typically $79-$129 per month with no long-term contracts. The first consultation is free.
Will the items come back?
If an item is removed because it was unverifiable, it can technically reappear if a creditor re-verifies it. Specialists work to ensure removed items stay removed.