Frequently Asked Questions
We know credit can feel confusing or overwhelming sometimes
but we're here to make it simple.
Whether you're thinking about fixing your credit yourself or getting professional help, we want you to feel confident and informed every step of the way.
Below, you'll find answers to the most common questions our clients ask.
If you don't see your question here, feel free to contact us,
we're always happy to help!
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What is credit repair?
Credit repair is the process of identifying and addressing errors, inaccuracies, or negative items on your credit reports to help improve your credit score.
Can I fix my credit on my own?
Yes! Consumers have the legal right to dispute errors on their credit reports themselves. However, many choose professional help for expertise, faster results, and convenience.
How long does credit repair take?
Every situation is different. Some clients see changes within 30-90 days, while full credit restoration can take several months depending on the complexity of their reports.
Can you guarantee a specific credit score increase?
No legitimate credit repair company can guarantee specific results or a certain score increase. We work to improve your credit by disputing inaccurate, unverifiable, or outdated items.
What kind of negative items can be removed?
We can challenge errors related to late payments, collections, charge-offs, repossessions, bankruptcies, foreclosures, and more — if they are inaccurate, outdated, or unverifiable.
Will paying off collections improve my credit score?
It can, but not always immediately. Paid collections may still affect your score. However, removing inaccurate collection accounts can have a bigger impact.
Is credit repair legal?
Yes, absolutely! Federal law (the Fair Credit Reporting Act and the Credit Repair Organizations Act) protects your right to dispute information on your credit reports.
How much does credit repair cost?
We offer flexible options depending on your needs — whether you choose to learn how to fix your credit yourself through our educational program or hire us for hands-on credit repair services.
Will closing credit cards help my credit?
Usually no — closing a credit card can actually hurt your credit score by affecting your credit utilization and length of credit history.
How do I get started?
Simple! Contact us today to choose your path join our DIY credit repair program or sign up for personalized professional help. We're ready when you are!
What's the difference between a hard inquiry and a soft inquiry?
A hard inquiry happens when a lender checks your credit during an application for credit (like a loan or credit card), and it can slightly lower your credit score. A soft inquiry, like checking your own credit report, does not affect your score.
Does credit repair erase all negative items from my credit report?
Credit repair can help remove inaccurate, unverifiable, or outdated items. Legitimate, accurate negative marks (like a real late payment) usually have to age off your report over time.
Is credit repair the same as debt settlement or debt consolidation?
No. Credit repair focuses on your credit report and score. Debt settlement and consolidation are strategies for managing or paying down debt, which may impact your credit differently.
How often should I check my credit report?
You should check your credit report at least once a year — but during the credit repair process, we recommend monitoring your reports monthly to track progress.
If I complete your DIY program, will I still have support?
Absolutely! Our DIY program includes access to educational materials, templates, and email/chat support if you have questions along the way.
Are there any risks with credit repair?
There are no risks when credit repair is done legally and ethically. Be cautious of companies that promise overnight results or "wipe your credit clean" — that’s a red flag!
What laws protect me during the credit repair process?
You are protected under several laws, including the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA).
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This site is for informational purposes only and does not guarantee specific credit outcomes.
We operate in full compliance with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR).
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