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Frequently Asked Questions
The timeline varies depending on your credit history and the number of negative items, but most clients start seeing results within 30–60 days. Full credit restoration can take several months for best results.
Yes. Credit repair is 100% legal. We use consumer protection laws like the Fair Credit Reporting Act (FCRA) and Metro 2 compliance to dispute inaccurate, outdated, or unverifiable items on your behalf.
We dispute a wide range of negative items including collections, charge-offs, late payments, repossessions, bankruptcies, inquiries, and more — as long as they are inaccurate, outdated, or unverifiable.
No. Disputing inaccurate information has no negative impact on your score. In fact, as negative items are removed, many clients see significant improvements in their credit.
Absolutely. We provide ongoing credit building coaching and funding assistance to help you maintain strong credit and take full advantage of your improved financial profile.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report that is:
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Inaccurate (e.g., wrong dates, wrong account status)
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Outdated (e.g., negative items older than 7 years)
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Unverifiable (if the creditor cannot prove it’s valid)
