How Credit Repair Works

Our proven 4-step process has helped over 50,000 Americans improve their credit scores and achieve their financial goals. Here's exactly how we do it.

Step 1

Analyze

We Review Everything

We pull your credit reports from all three major bureaus—Experian, Equifax, and TransUnion—and conduct a comprehensive analysis.

  • Identify all negative items affecting your score
  • Analyze account histories for inaccuracies
  • Review inquiries and public records
  • Calculate potential score improvement
  • Create your personalized action plan

Timeline

Day 1-3

Step 2

Identify

We Find the Problems

Our experts identify items that may be inaccurate, unverifiable, or unfair—all of which can legally be disputed under the Fair Credit Reporting Act.

  • Collections that may be past statute of limitations
  • Late payments that were reported incorrectly
  • Accounts that don't belong to you
  • Duplicate entries inflating negative impact
  • Outdated information that should be removed

Timeline

Day 3-7

Step 3

Dispute

We Take Action

We create customized dispute letters using proven strategies and send them to credit bureaus and creditors on your behalf.

  • Professionally written dispute letters
  • Bureau-specific strategies for better results
  • Creditor intervention when needed
  • Documentation requests under FCRA
  • Follow-up on every dispute sent

Timeline

Day 7-45

Step 4

Track

We Monitor Progress

Monitor your progress in real-time through our dashboard. Watch as negative items are removed and your score improves.

  • Real-time score tracking dashboard
  • Email alerts for changes and updates
  • Monthly progress reports
  • Strategy adjustments as needed
  • Ongoing education and tips

Timeline

Ongoing

Your Credit Repair Timeline

Day 1

Sign up and provide authorization

Day 2-3

We pull and analyze your credit reports

Day 4-7

Receive your personalized action plan

Day 7-14

First round of disputes sent

Day 30-45

Bureaus respond; first results arrive

Day 45+

Continue with additional rounds as needed

The Legal Foundation

Fair Credit Reporting Act (FCRA)

Federal law that gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate disputes within 30 days and remove items they cannot verify.

Fair Debt Collection Practices Act (FDCPA)

Protects you from abusive debt collection practices and gives you the right to request debt validation. Collectors must prove they have the right to collect and that the debt is accurate.

Credit Repair Organizations Act (CROA)

Regulates credit repair companies and protects consumers. We comply fully with CROA, including the 3-day cancellation right and prohibition on advance fees before services are performed.

Your Rights

You have the right to accurate credit reporting, to dispute errors, to know what's in your file, and to have outdated information removed. We help you exercise these rights effectively.

Common Questions

How long does credit repair take?

Most clients see their first results within 30-45 days. The full process typically takes 3-6 months depending on the complexity of your credit situation. Under the FCRA, credit bureaus must respond to disputes within 30 days.

Is credit repair legal?

Absolutely. Credit repair is 100% legal and protected under federal law. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable.

What items can be removed?

Any item that is inaccurate, unverifiable, or reported unfairly can potentially be removed. This includes collections, late payments, charge-offs, bankruptcies, judgments, and inquiries. We cannot remove accurate information that is properly reported.

Will my score definitely improve?

While we cannot guarantee specific results (and you should be wary of anyone who does), we have a strong track record. 95% of our clients see improvement, with an average score increase of 40-100 points over 6 months.

Can I do this myself?

Yes, you have the right to dispute items yourself for free. However, our expertise, proven strategies, and time-saving service typically produce better and faster results. Most DIY attempts result in generic disputes that are easily dismissed.

Ready to Start Your Credit Journey?

Get your free credit analysis and personalized action plan today. No obligation, no credit card required.