Facts and Questions
How long does credit repair take?
Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, we help thousands of people each year work to repair their credit, and typically they’ve stayed with us for six months. With our team of professionals, credit monitoring software and customers dashboard, our removal process is streamlined to get you results.
Our average client uses our service for 6 months.
While every credit situation is different, we do everything we can to make the process faster and more efficient.
Is credit repair legal?
Yes — you have a legitimate and legal right to a fair, accurate and substantiated credit report. Credit repair is simply the process of challenging and disputing questionable negative items on your report to ensure those three standards are met—fairness, accuracy and substantiation.
While there are many laws that apply to your credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws we leverage the most.
Can deleted items reappear on my credit report?
Yes, even after an item is removed or deleted, your creditors may report the item again. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. If a questionable credit item is verified at a later point in time.
Does paying my bills restore my credit?
You might think so, but unfortunately it does not. When you pay an old debt, the negative credit item doesn’t disappear, but is typically listed as a paid delinquency, charge off or collection. If your goal is to repair your credit, just paying off your debts won’t get you there. Repairing bad credit is a significant challenge for most consumers and we’re here to help.
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