For non-public records, 3-4 months is typical. Public records may take longer.

While we strive for the best results, credit repair outcomes depend on the accuracy of your reports and creditor responses.

Errors, outdated items, duplicate entries, and unverifiable accounts can often be removed.

We offer several packages ranging from $275 to $4,250, depending on the service level.

A dispute challenges individual items; credit repair is a comprehensive process to clean and improve your credit profile.

Yes, but it requires time, knowledge, and persistence. We streamline the process with expert strategies.

Clients often begin seeing improvements within 30-60 days, with full results typically in 3-4 months.

Yes, credit repair is legal under federal law, as long as services are compliant with the Credit Repair Organizations Act (CROA).

Items like late payments, collections, and charge-offs lower your score and stay on your report for up to seven years.

It depends; paying collections doesn’t always remove the item or improve your score without negotiation.

While challenging, these items can sometimes be removed if they are incorrect or unverifiable.

We work with credit bureaus and creditors to verify information, ensuring inaccurate entries are corrected or removed.

We monitor your reports and re-dispute if necessary to ensure items stay removed.

No, disputes and repairs do not harm your score, but applying for new credit can impact it temporarily.

Yes, we handle all communications with the bureaus and creditors throughout the process.

Yes, if they are incorrect or if we negotiate goodwill removals with creditors.

A soft inquiry doesn’t affect your score, while a hard inquiry can temporarily lower it by a few points.

Every case varies, but removing negative items can result in significant improvements.

Yes, responsible use of credit during the process helps rebuild your score.

Pay bills on time, keep balances low, and avoid unnecessary hard inquiries.