CONGRATS! You’re 1 step closer to financial freedom.
Frequently asked questions
How long does credit repair take?
Most clients start seeing changes within 30–45 days after disputes are filed, since credit bureaus have 30 days to investigate. Full results vary by case complexity — some clients see major shifts in 3–4 months, others take 6+ months for deeper repairs.
Will disputing items hurt my credit score?
No. Disputing inaccurate, unverifiable, or outdated items on your report doesn’t lower your score. If anything, removing negative items typically raises it.
Can you remove accurate negative items from my report?
We can only dispute items that are inaccurate, incomplete, unverifiable, or outdated per the Fair Credit Reporting Act (FCRA). We can’t guarantee removal of accurate, verified negative information.
Do I need to stop using credit cards during the process?
No, but keeping utilization low (under 30%, ideally under 10%) and making all payments on time helps your score improve faster alongside the dispute process.