Online Credit Repair FAQs: Process, Timelines & Legal Tips
Online Credit Repair
Welcome to Our Online Credit Repair FAQ Page
Have questions about credit repair? You’re in the right place! This FAQ section provides clear, straightforward answers to common questions about improving your credit score, disputing errors, and understanding how the credit repair process works. Whether you’re just getting started or looking for expert insights, we’ve got you covered.
If you don’t find the answer you’re looking for, feel free to reach out to our support team—we’re here to help!
1. What is credit repair?
Credit repair is the process of improving or correcting your credit report by addressing inaccurate, outdated, or unverifiable information.
2. Can I repair my credit on my own?
Yes, consumers have the legal right to dispute errors on their credit report themselves, but many choose professionals for convenience, expertise, and strategy.
3. How long does credit repair take?
Results can start to show in 30–45 days, but complete credit repair can take 3–6 months or longer, depending on the complexity of the credit history.
4. Is credit repair legal?
Yes, under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information and work to improve your credit.
5. What items can be removed from my credit report?
Items that are inaccurate, outdated, unverifiable, or reported in error (e.g., collections, charge-offs, late payments) can potentially be removed.
6. Will paying off my debt improve my credit score?
Paying down debt, especially credit card balances, can help improve your score, but it depends on the type of debt and how it’s reported.
7. What’s the difference between a credit report and a credit score?
A credit report is a detailed record of your credit history. A credit score is a numerical representation of your creditworthiness, based on that report.
8. How often do credit bureaus update my report?
Credit bureaus typically update your report once every 30 days as creditors report new information.
9. Can you remove bankruptcies, foreclosures, or student loans?
These items can sometimes be removed if they’re reported inaccurately or not verifiable, but valid items are more difficult to remove.
10. Will credit repair companies increase my score guaranteed?
No company can legally guarantee a specific score increase. Reputable firms are transparent about this.
11. Do credit repair companies dispute all negative items?
No, they focus on disputing only inaccurate, outdated, or unverifiable items—not legitimate negative information.
12. How much does credit repair cost?
Prices vary widely. Many companies charge monthly fees (e.g., $75–$150/month), setup fees, or per-deletion pricing.
13. Will credit repair help me qualify for a home loan or car loan?
Yes, improving your credit can help qualify you for better loan terms, lower interest rates, or approval altogether.
14. Does credit repair work with all three credit bureaus?
Reputable credit repair services typically dispute with all three major credit bureaus: Experian, Equifax, and TransUnion.
15. What happens if the credit bureau doesn’t respond to a dispute?
If the bureau doesn’t respond within 30 days, they are legally required to delete the disputed item—unless the delay is due to special circumstances.