Yes. The Fair Credit Reporting Act gives you the right to dispute any item on your credit report. If an item cannot be verified within the reinvestigation window — generally 30 days under FCRA § 611(a) — it must be corrected or deleted. We prepare and submit that documentation on your behalf.
No, and neither can anyone else. Accurate, current, verifiable information stays on your report until it ages off. Any company promising otherwise is describing something it cannot lawfully do.
Each dispute cycle runs on the bureaus' timeline: they have 30 days from receipt to verify or delete a disputed item. How many cycles your file needs depends entirely on what's on it. We won't quote you a date for a result we don't control.
No. We can tell you exactly what we will do and show you the progress of every dispute, but we will not predict a number. Anyone who does is guessing or misleading you.
Yes — and we'll tell you how if you'd prefer. You can dispute inaccuracies directly with each bureau at no cost. People hire us for the time, the documentation, and knowing which items are worth challenging.
Anything inaccurate, incomplete, or unverifiable — which in practice has included collections, charge-offs, late payments, repossessions, medical bills, inquiries, judgments, old addresses, and bankruptcies. Whether any of those apply to you depends on your report, which is what the free analysis is for.
Federal law gives you three business days after signing a credit repair contract to cancel it for any reason, at no cost. You'll receive a separate cancellation form with your agreement. See our terms and rights disclosure.
Not before the work is done. The Credit Repair Organizations Act prohibits collecting a fee before the services being paid for have been fully performed (15 U.S.C. § 1679b(b)), and we bill accordingly. See pricing.
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