Credit repair is the process of correcting inaccurate, outdated, or unverifiable information on your credit reports. It also includes guiding you on healthy credit behavior so your score improves over time.

Most clients see movement within thirty to ninety days, but the full process can take three to six months depending on the number of items, the bureaus’ response times, and your credit habits. No specific result or timeline is guaranteed because every file is different.

Your score can change once inaccurate or outdated items are updated or removed. Score movement depends on your overall profile, current balances, payment habits, and active accounts. No specific score increase is ever guaranteed.

If they were reported in error or cannot be verified, they can be challenged. Verified late payments must remain.

If the collector cannot validate the debt or reports incorrect details, the item can be updated or removed. If the debt is valid and verified, it stays unless paid or settled according to the collector’s policy.

Yes. Each credit bureau reports differently, so your file is reviewed and processed with all three. Results may vary because every bureau has its own data source.

Updates come in cycles. Some clients see early deletions within thirty to sixty days, while others take longer depending on the bureaus and furnishers. Credit monitoring must remain active so we can check updates in real time.

No. Credit repair handles reporting accuracy. Utilization changes through your own payments, balance adjustments, and card management. You will receive guidance on how to handle this during the process.

Yes. You have the right to dispute your own reports. Many clients hire a company because the process is time-consuming, requires documentation, and needs consistency across all bureaus.