The honest answer
Credit repair can help you identify and dispute information that is inaccurate, incomplete, outdated or unverifiable. It cannot remove accurate, verifiable information, and no one can guarantee a specific score outcome.
Your legal rights
The Fair Credit Reporting Act gives you the right to dispute anything on your report. Bureaus generally must investigate within 30 days and remove information that can't be verified.
What a good process looks like
A careful review of all three reports, a documented dispute strategy, tracked responses and clear education along the way. Transparency at every step is the hallmark of legitimate help.
Red flags to avoid
Guarantees of specific results, advice to create a 'new credit identity,' or requests to dispute accurate information are all warning signs — and often illegal.
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