Frequently Asked Questions

Credit repair involves identifying and correcting inaccuracies on your credit report to improve your credit score.

The duration varies depending on the complexity of your credit issues, but typically it can take anywhere from 3 to 6 months.

While we strive to remove inaccuracies and unverifiable information, we cannot remove accurate negative items that are within the legal reporting period.

Our fees depend on the services required and the specifics of your credit situation. We offer a detailed fee structure during the consultation.

Correcting inaccuracies on your credit report can lead to an improvement in your credit score, but results vary for each individual.

You can get started by scheduling a consultation call where we will discuss your credit report and our service agreement.

We'll need your personal information, authorization to access your credit reports, and any documentation related to disputes.

Yes, credit repair is legal. We operate within the guidelines set by the Fair Credit Reporting Act (FCRA) and other relevant regulations.

Yes, individuals can dispute inaccuracies on their own, but our expertise and experience can streamline the process and increase the chances of successful outcomes.

During our analysis, we identify and discuss the items that appear inaccurate, outdated, or unverifiable and may need to be disputed.

We provide regular updates on the status of your disputes and you can monitor changes through your credit reports.

Credit repair focuses on correcting errors on your credit report, while credit counseling provides financial education and debt management advice.

It’s advisable to check your credit report at least once a year from each of the three major credit bureaus: Experian, TransUnion, and Equifax.

Using a credit repair service itself does not negatively affect your credit score. In fact, it aims to correct inaccuracies that may be hurting your score.

A credit freeze restricts access to your credit report, making it harder for identity thieves to open accounts in your name. It’s recommended if you suspect identity theft.

Consistently paying bills on time, reducing debt, and using credit responsibly can help build positive credit history.

Paying off debts improves your financial situation but does not automatically remove negative items from your credit report unless they are reported inaccurately.

You can obtain free copies of your credit reports from AnnualCreditReport.com once a year from each of the three major credit bureaus.

You can dispute the error directly with the credit bureau that issued the report, providing documentation to support your claim.

Yes, we can assist in identifying and disputing fraudulent items on your credit report due to identity theft.