Frequently Asked Questions about Credit Repair Information

Here are some questions that others just like you have asked. We hope this leads to you being more confident when you fill out your online application.

Is credit repair really legal?

Absolutely. In fact, the Fair Credit Reporting Act explicitly states that consumers have the right to challenge items on their credit reports. So not only is the credit repair process legal.it's your right!

How long does credit repair usually take?

This tends to vary from consumer to consumer, as some will have much longer, more involved credit reports than others. A common standard for credit repair companies is to produce the first line of results within four to six weeks. To see maximum results might take up to six months.

Can't I just repair my own credit?

The cliché is usually true-you get what you pay for. If, in this case, you try to save money by repairing your own credit, you probably won't see the caliber of results that a professional team of credit repair specialists could give you. It's certainly possible to repair your own credit, but the work involved is considerable and time-consuming. For each item you dispute, you will spend, on average, about five hours before it is resolved. With a professional team in your corner, you can sit back while they do the legwork.

How expensive is credit repair?

Credit repair services are usually reasonably priced. Sometimes companies will charge a set amount per month that they tell you up front. Professional credit repair does cost money, but remember that you are probably paying almost 40% more in interest rates now because of your blemished credit. Not having to pay this money in the future is worth making an initial investment to get back on track.