Credit repair is the process of identifying and challenging inaccurate, outdated, or unfair information on your credit report. These negative items—such as collections, charge-offs, late payments, repossessions, or even identity theft accounts—can lower your score and limit your financial opportunities.

Through credit repair, we use consumer protection laws like the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) to dispute errors, request validation, and push for removals or updates that restore accuracy. The goal is simple: to help you rebuild your credit profile, raise your score, and put you in a stronger position for approvals, funding, and financial freedom.

Yes, you can absolutely work on repairing your credit yourself. Federal laws like the FCRA and FDCPA give you the right to dispute inaccurate, outdated, or unverifiable items on your credit report. Many people choose to do it themselves, but it can be time-consuming and requires knowing the right steps, laws, and dispute strategies.

If you’d like guidance, we offer an eBook designed to walk you through collection disputes step by step, giving you templates and proven strategies to save you time and frustration. Or, if you’d rather not do it alone, our team can handle the entire process for you.

We can help remove inaccuracies like late payments, collections, charge-offs, bankruptcies, repossessions, student loans, medical bills, judgement and liens, and other errors—provided they are unverifiable, outdated, or incorrect.

The length of time depends on your individual situation. Typically, our clients begin seeing improvements within a few months, but every case is unique.

On average, most clients begin seeing results within the first 30–60 days after disputes are filed. However, full credit repair can take anywhere from 3 to 6 months, and in some cases up to a year depending on the number of negative accounts, the bureaus’ response times, and the complexity of the situation.

Credit repair isn’t instant, but progress can begin quickly. In some cases, clients see changes within the first 30–45 days after disputes are processed and accounts are updated. However, timing depends on your credit bureaus, creditors, and the type of accounts being challenged. Some items may be removed right away, while others may take a few rounds of disputes.

Remember—credit repair is a process, but every step forward builds toward long-term results and lasting financial freedom.

We offer flexible pricing plans based on your specific needs. Contact us for a free consultation and to get a tailored estimate.