1.How long does the credit repair process take?
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Policies and procedures vary by creditor but will usually include back-and-forth letters to get
everything in writing. On average, credit repair takes about three to six months. Your score
should gradually improve throughout the process each time a creditor agrees to make a change in
your favor.
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2. Is credit repair legal?​
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Credit repair is legal. As a consumer, you have the right to have an accurate credit report. Filing
disputes to remove negative claims is perfectly legal and necessary to ensure that any erroneous
remarks are removed.
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A lot of your rights when it comes to your credit are thanks to the Fair Credit Reporting
Act (FCRA). It’s a good idea to brush up on what your rights are, especially if you’re wanting to
repair your credit.
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3. Does credit repair work?
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Whether you decide to repair your credit yourself or decide to work with a credit repair
company, there is no doubt that the credit repair process works.
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By working directly with the credit bureaus, debt collectors, or original creditors, you can rest
assured that your efforts to remove negative listings from your credit report will not be in vain.
Oftentimes, debt collectors are willing to work with consumers to find a solution that works best
for both parties.
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Through cooperation with the creditors, as well as your decisive action to pay off high-interest
rate debt, your goal to repair your credit can be actualized within a relatively short period. All
you need is the discipline to make it happen.
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4. What is expected from the client?
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For our clients, all we typically ask for is education, communication, and most importantly
patience. When we submit disputes and challenges on your behalf, the bureaus and creditors will
always respond directly back to you! For the purpose of your own privacy, creditors will never
send the results of their investigations to us. Therefore, it is extremely important to maintain
consistent communication with us so we can continue our work. When you receive a
correspondence back, email that correspondence to us as soon as possible.
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5. What should I expect during a credit consultation?​
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During a credit consultation, you can expect a review of your credit report, identification of
errors or inaccuracies, and personalized advice and guidance on credit management and financial
literacy.
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6. Can credit repair companies remove accurate information from my credit report?
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No, credit repair companies cannot remove accurate information from your credit report.
However, they can work to identify and correct errors or inaccuracies that may be affecting your
credit score.
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