FAQs

Credit repair is the process of reviewing your credit reports and disputing inaccurate, outdated, or unverifiable information with the credit bureaus.

Credit repair generally involves analyzing your credit reports, identifying potential reporting errors, submitting disputes to the credit bureaus, and monitoring investigation results.

Yes. If information on your credit report is inaccurate, outdated, or cannot be verified by the reporting creditor, it may be corrected or removed.

Accurate and verifiable negative information generally cannot be removed until it reaches the maximum reporting time allowed by law.

The timeline varies depending on each individual's credit profile. Credit bureau investigations typically take about 30–45 days.

The three major credit bureaus are: Experian Equifax TransUnion

Common factors include payment history, credit utilization, credit age, credit mix, and recent credit inquiries.

Credit scores may improve when inaccurate negative items are corrected or removed, but results vary for each individual.

Consumers have the right to dispute credit report errors themselves, but some individuals choose professional guidance to help navigate the process.

Examples include incorrect balances, accounts that do not belong to you, duplicate accounts, and inaccurate late payment reporting.

It is recommended to review your credit reports regularly to monitor for errors or changes.

A credit score is a numerical representation of your creditworthiness based on the information in your credit report.

Key factors typically include payment history, credit utilization, credit history length, credit mix, and new credit inquiries.

Credit utilization is the percentage of available credit you are currently using.

Paying off collections may improve your financial profile, but the impact on credit scores varies.

A charge-off occurs when a creditor writes off a debt as unlikely to be collected, though the debt may still be owed.

Most negative items remain on credit reports for up to seven years, while bankruptcies may remain longer.

No. Checking your own credit is considered a soft inquiry and does not affect your credit score.

Positive habits include making payments on time, keeping credit balances low, and avoiding unnecessary credit inquiries.

A credit inquiry occurs when a lender reviews your credit report as part of a lending decision.

Soft inquiries do not affect your credit score, while hard inquiries may have a small temporary impact.

Many financial institutions and credit monitoring services allow consumers to track changes in their credit reports.

Yes. Fraudulent accounts caused by identity theft may appear on credit reports and require disputes.

You can submit a dispute directly with the credit bureau reporting the inaccurate information.

The first step is requesting a credit review so we can analyze your credit profile and discuss potential next steps.