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Q: What is credit repair?

A: Credit repair is the process of removing inaccuracies, errors, and outdated information from your credit report to improve your credit score.


Q: Is credit repair legal?

A: Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit report.


Q: How long does it take to repair my credit?

A: The time it takes to repair your credit depends on the complexity of your credit report and the number of errors that need to be addressed. It can take anywhere from a few weeks to several months.


Q: Can credit repair guarantee a specific credit score increase?

A: No, credit repair cannot guarantee a specific credit score increase. However, the removal of inaccurate information and the addition of positive credit information can improve your credit score.


Q: How much does credit repair cost?

A: The cost of credit repair varies depending on the company you choose and the complexity of your credit report. Typically, credit repair companies charge a monthly fee ranging from a few hundred to a thousand. 


Q: What can I do to improve my credit score on my own?

A: You can improve your credit score by paying your bills on time, reducing your debt-to-credit ratio, and disputing any inaccuracies on your credit report.


Q: Will credit repair affect my credit?

A: Credit repair itself will not affect your credit score. However, if negative items are removed from your credit report, your credit score may improve. 


Q: How do I choose a reputable credit repair company?

A: Look for a company that is transparent about its pricing and services, provides a free consultation, and has positive reviews and ratings from customers and third-party organizations like the Better Business Bureau. 


Q: Can I get a free credit report once per year?

A: Yes, according to federal law, you are entitled to one free credit report per year from each of the three major credit bureaus (Equifax, Experian, and TransUnion).

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