Professional Credit Repair Services

Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports with the three major credit bureaus (Equifax, Experian, and TransUnion). Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate disputes and remove items they cannot verify within 30 days.

Yes, credit repair is 100% legal. The Fair Credit Reporting Act gives you the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit repair companies help facilitate this process on your behalf.

Results vary based on your specific situation. Most clients begin seeing deletions within 30-45 days. Our Standard service typically achieves bulk deletions within 60-90 days, while our Expedited service guarantees results within 60 days. Complex cases may require additional time.

No, and any company that promises to remove accurate information is likely a scam. However, many negative items contain errors in dates, amounts, or account details that make them legally disputable. We focus on identifying and disputing these inaccuracies.

Any inaccurate, outdated, or unverifiable information can be disputed, including: collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, tax liens, judgments, hard inquiries, and identity errors. We analyze your full credit report to identify all disputable items.

Score improvements vary by individual. Factors include the number and severity of negative items, your credit history length, and current positive accounts. Many clients see 50-150+ point increases, but we cannot guarantee specific results. Your score depends on multiple factors.

Yes, you can dispute items directly with credit bureaus for free. However, the process is time-consuming and requires knowledge of consumer protection laws. Credit bureaus often reject DIY disputes. Our attorney-approved letters and experience result in higher success rates.

Our Expedited service includes everything in Standard, plus a Rental Primary Tradeline that adds 5-8 years of positive payment history to your credit file immediately. This provides instant credit history while we work on removing negatives, resulting in faster overall improvement.

A tradeline is any credit account that appears on your credit report. Our Rental Primary Tradeline is a seasoned rental account with 5-8 years of perfect payment history that reports to all three bureaus, instantly establishing positive credit history.

We need access to view your full credit reports from all three bureaus to identify disputable items and track deletion progress. We use read-only access and never make changes to your accounts. Your login credentials are encrypted and stored securely.

We recommend IdentityIQ or SmartCredit as they provide access to all three bureau reports with FICO scores. Credit Karma is free but only shows Vantage scores. MyFICO provides the most accurate scores. We can work with any service that shows tri-bureau reports.

Most negative items remain for 7 years from the date of first delinquency. Bankruptcies can stay for 7-10 years depending on the type. Hard inquiries remain for 2 years. However, items can be removed sooner if they contain errors or cannot be verified.

If a creditor verifies debt, we use additional strategies including direct creditor disputes, debt validation requests, CFPB complaints, and negotiation for pay-for-delete agreements. We have multiple approaches to address items that survive initial disputes.

No. We use attorney-approved, non-template dispute letters that are customized for each specific item on your report. Credit bureaus easily identify and reject template letters. Our personalized approach has a significantly higher success rate.

Our Standard service includes a 90-day money-back guarantee, and Expedited includes a 30-day guarantee. If we don't achieve any deletions within these timeframes, you receive a full refund. This demonstrates our confidence in our dispute process.

Yes. Under the Credit Repair Organizations Act (CROA), you have a 3-day right to cancel after signing the agreement for a full refund. After 3 days, you may still cancel and receive a refund for services not yet performed. Contact us in writing to cancel.

The initial payment covers the cost of pulling your credit reports, preparing your custom dispute letters, and initiating the first round of disputes. The remaining balance is due upon completion of services or can be split into payments based on your situation.

No. Credit repair disputes negative items only. Your positive accounts and current credit cards remain unaffected. In fact, as negative items are removed, your overall credit utilization and score typically improve, potentially increasing your credit limits.

Yes. For items that cannot be removed through disputes, we offer debt negotiation services. We can negotiate pay-for-delete agreements where creditors agree to remove the item from your report in exchange for payment, often at a significantly reduced amount.

Identity theft items have additional protection under the FCRA. We help you file identity theft reports, fraud alerts, and security freezes while disputing fraudulent accounts. Identity theft items often have the highest removal success rate when properly documented.

You receive access to our client dashboard where you can view dispute status, track deletions, and see your score progress in real-time. We also send bi-weekly email updates (weekly for Expedited clients) and are always available by phone or email.

We need a government-issued photo ID (driver's license, state ID, or passport), a recent utility bill showing your current address (within 2 months), and your credit monitoring login credentials. These documents are required by credit bureaus for identity verification.

Yes. We use bank-level 256-bit SSL encryption for all data transmission and storage. Your information is never sold to third parties. We comply with FCRA, GLBA, and state privacy laws. All employees sign confidentiality agreements.

We use direct disputes with actual creditors (not just bureaus), attorney-approved custom letters (no templates), manual processing (no software), CFPB complaint filing, and a dedicated specialist for your case. Our one-time fee is often less than monthly services over time.

Bankruptcies can be disputed if they contain inaccuracies in filing dates, account listings, or discharge status. While accurate bankruptcies legally remain for 7-10 years, errors are common and can provide grounds for removal or correction.

No. We work with clients at all credit score levels, including those with very poor credit. In fact, clients with lower scores often see the most dramatic improvements as they typically have more disputable items that can be removed.

You can get free credit reports from all three bureaus at AnnualCreditReport.com. As of 2025, you can check weekly for free (previously annual). You can also access reports through Credit Karma, Experian, and other free services, though scores may differ.

Keep all current accounts in good standing, avoid applying for new credit (hard inquiries), keep credit card balances below 30% of limits, and don't close old accounts. We'll provide specific guidance based on your situation.

Credit repair is beneficial if you have negative items that may be inaccurate, outdated, or unverifiable. If you've been denied credit, have high interest rates, or see items you don't recognize, you're a good candidate. We offer free consultations to review your specific situation.