Frequently Asked Questions

Each situation is different, but some see results within 45-60 days.  The credit bureaus are allowed 30 days to complete disputes. Remember, credit repair companies dispute errors, we do not “remove” accounts, and because the bureaus often do not comply, it may make sense to re-dispute in the hopes of getting the desired result.  Though this is a process, rest assured knowing that we know exactly how to get positive results.

No two credit histories are the same. That said, depending on the situation, we'll do everything possible to get you the highest score in the least amount of time!

First, we'll evaluate your credit history and dispute any incorrect findings. Then, we'll prioritize the actions that will improve your credit score the fastest.  The quick answer is we'll REVIEW, CHALLENGE, DISPUTE, ESCALATE (if needed) and REPEAT!

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

A statute of limitations on debt limits how long creditors or collection agencies can only take legal action against you to collect a debt. 

Statutes of limitations are laws that govern the deadlines for certain legal actions. But don’t be mistaken—you aren’t off the hook for a debt just because the statute of limitations has passed. The debt may still show up on your credit report, and if you don’t pay it, you could face issues getting future credit, especially a mortgage.

The statute of limitations does prevent you from being successfully sued for time-barred debts, meaning the creditor won’t be able to get a judgment against you that allows them to garnish wages or levy your accounts.  

The statutes of limitations for debt varies by agreement type and by states.  See the PDF below to see the current statutes by state and agreement type.  

***Also note, state legislation is updated constantly, so as we attempt to keep the most up-to-date information, that is not always possible so this information is intended to be used as a reference.  For up to date information, please refer to your specific state and/or the FTC. 

According to the Federal Trade Commission, the statute of limitations clock starts when you fail to make an agreed-upon payment. However, you can reset the statute of limitations clock in some cases by making a payment on the debt or agreeing to make such payments in response to a debt collector contacting you.

Before you make any promises or make a payment on old debt, ensure you understand your rights under the Fair Debt Collection Practices Act and the statute of limitations on your debt.