Frequently Asked Questions

Credit repair is the legal process of identifying and disputing inaccurate, misleading, incomplete, or unverifiable information on your credit reports. Under the Fair Credit Reporting Act (FCRA), specifically Section 611, every consumer has the federally protected right to dispute any information they believe is inaccurate. When you file a dispute, the credit bureau must investigate within 30 days. If they cannot verify the information with the original creditor, the item must be deleted from your report. Our service handles this entire process on your behalf using certified mail, legal citations, and escalation strategies that maximize removal rates.

Yes, credit repair is 100% legal and is explicitly protected by federal law. FCRA Section 611 guarantees every consumer the right to dispute inaccurate information on their credit report. The Credit Repair Organizations Act (CROA) further establishes the legal framework for companies like ours to assist consumers in exercising those rights. We operate in full compliance with both federal and state consumer protection laws, citing specific FCRA sections, court precedents, and regulatory actions in every dispute letter we send.

Most clients see their first results within 30 to 45 days after the first round of disputes is sent. Credit bureaus are legally required to complete their investigation within 30 days of receiving a dispute (45 days if you submit additional documentation during the investigation). A typical case involves 2 to 4 rounds of disputes over a period of 3 to 6 months, depending on how many negative items are on your report and how the bureaus respond. Some items are removed in the first round, while others require escalation through Method of Verification demands, direct furnisher disputes, or CFPB complaints.

No. Filing disputes does not lower your credit score. The dispute process simply asks the credit bureau to verify that the information they are reporting is accurate. There is no penalty for exercising your rights under the FCRA. In fact, if inaccurate negative items are removed as a result of the dispute, your score will typically increase. The only thing that could temporarily affect your score is if a bureau adds a "dispute" notation to an account, but this notation is removed once the investigation is complete and has no lasting impact.

After enrollment and payment, we immediately begin our 47-point Metro2 inaccuracy scan of your credit reports from all three bureaus (Equifax, Experian, and TransUnion). This audit examines every data field -- account numbers, balances, dates, status codes, payment histories, and compliance conditions -- looking for any reporting error that constitutes a disputable inaccuracy under FCRA. Within 5 to 7 business days, we prepare your first round of dispute letters, each citing specific FCRA sections and the exact inaccuracies found. Every letter is sent via USPS Certified Mail with Return Receipt Requested, which creates federal proof of delivery and starts the 30-day statutory investigation clock.

Yes. We need your current credit reports from all three bureaus to perform our analysis. The easiest way to obtain these is through IdentityIQ, which provides tri-bureau credit reports and monitoring. We will walk you through the sign-up process during onboarding. If you already have recent reports (within 30 days), you can upload those instead. Having current reports ensures our 47-point scan identifies every inaccuracy present on your file at the time we begin working your case.

Your $897 one-time payment includes 3 full rounds of disputes to work through your case. Each round builds on the results of the previous one. Round 1 sends initial disputes citing FCRA Section 611(a). Round 2 demands the Method of Verification under Section 611(a)(6)(B)(iii) for items reported as "verified" and sends direct furnisher disputes under Section 623. Round 3 escalates with CFPB complaints, sworn affidavits, and Intent to Sue letters for items bureaus refuse to properly investigate. There are no additional charges for any round.

No, and this is one of the most important distinctions of our service. We exclusively use USPS Certified Mail with Return Receipt Requested for every dispute. Online portals (like those on the bureau websites) force your detailed dispute into a 2-digit e-OSCAR code, stripping away all narrative context, legal citations, supporting documentation, and the specific inaccuracies you identified. This dramatically reduces the effectiveness of your dispute. Certified mail forces the bureau to receive and process your complete dispute package, including every legal citation and piece of evidence. It also creates federal proof of delivery, which is critical if you ever need to pursue legal action for a bureau's failure to investigate within the 30-day deadline.

The Fair Credit Reporting Act (FCRA), codified at 15 USC 1681 et seq., is the federal law that governs how credit bureaus collect, maintain, and report your information. It was enacted in 1970 and has been amended several times to strengthen consumer protections. Key provisions we use include Section 611 (the 30-day investigation requirement for disputes), Section 611(a)(6)(B)(iii) (the right to demand the method of verification), Section 623 (direct furnisher disputes), and Section 616 (statutory damages of $100 to $1,000 per willful violation). The FCRA is the legal foundation of everything we do.

The Fair Debt Collection Practices Act (FDCPA), codified at 15 USC 1692 et seq., is the federal law that regulates how third-party debt collectors can communicate with consumers and collect debts. Under the FDCPA, collectors must validate debts upon request, cannot use deceptive or abusive practices, and must stop collection activity if they cannot provide proper validation. We use FDCPA debt validation letters as part of our dispute strategy, particularly for collection accounts. If a collector cannot provide complete validation documentation, the account should not be reported on your credit file.

If a credit bureau fails to complete its investigation within the 30-day statutory deadline established by FCRA Section 611(a), the disputed item must be deleted from your credit report. This is not optional -- it is federal law. A bureau's failure to meet this deadline also constitutes a willful violation of the FCRA, which exposes them to statutory damages of $100 to $1,000 per violation under Section 616, plus attorney's fees and court costs. When a bureau misses its deadline on one of our cases, we automatically file a CFPB complaint on day 31 and send an Intent to Sue letter citing the deadline violation and accumulated damages.

No, and any company that promises to remove accurate information is being dishonest. We only dispute items that contain inaccuracies. However, the standard for accuracy under the FCRA is extremely strict. Every data field must be precisely correct -- the balance, the dates, the status codes, the payment history, the original creditor name, the account number. If any of these fields contain an error, the entire tradeline is disputable. Our 47-point Metro2 scan examines every reportable field, and in our experience, the vast majority of negative items contain at least one verifiable inaccuracy.

Our service is a one-time payment of $897. This is a single, flat fee that covers your entire case from start to finish. There are no setup fees, no monthly charges, no per-item fees, and no hidden costs. We chose this pricing model because we believe it aligns our incentives with yours -- we want to resolve your case as thoroughly and efficiently as possible, not drag it out to collect monthly payments.

No. We will never charge you a monthly fee. Unlike most credit repair companies that charge $79 to $149 per month (often for 6 to 12 months, totaling $948 to $1,788), we charge a single payment of $897 that covers 3 full rounds of disputes, all certified mail costs, CFPB complaint filing, and every escalation step. You pay once, and we work your case through completion. Period.

Everything. Your fee includes: a comprehensive 47-point Metro2 inaccuracy scan of all three bureau reports, 3 full rounds of bureau disputes with professionally drafted letters citing specific FCRA sections and identified inaccuracies, all USPS Certified Mail with Return Receipt Requested costs, debt validation letters to collectors under the FDCPA, CFPB escalation when bureaus fail to comply, direct furnisher disputes under Section 623, address removal disputes, deadline tracking and enforcement, and ongoing communication about your case status throughout the process.

Yes. In accordance with the Credit Repair Organizations Act (CROA), you have the right to cancel within 3 business days of signing the contract for a full refund. Beyond the cancellation period, we offer a 30-day money-back guarantee: if we have not identified and challenged at least one inaccurate item on your credit reports within the first 30 days of your case, you will receive a full refund. This guarantee reflects our confidence in the thoroughness of our 47-point analysis -- in our experience, inaccuracies are present on the vast majority of credit reports.