F.A.Q

No — accurate and verified negative items cannot be removed from your credit report. Only errors, outdated items, or items that are unverifiable can be disputed and removed.

You can typically start seeing changes to your credit report within 30 to 45 days after we begin submitting disputes. This timeframe allows the credit bureaus to review your case, contact the creditors, and update your report based on their findings.
Keep in mind that every situation is different — some updates may appear sooner, while others may take a bit longer depending on how quickly creditors respond. We’ll keep you informed throughout the process, and you can always check your progress anytime through your client portal.

Yes — we’ll need your Social Security Number (SSN) and a few supporting documents to verify your identity. This helps ensure your information is protected and that we’re working on the correct credit file.
Typically, we’ll ask for:

• A valid photo ID (driver’s license or passport)
• Proof of address (such as a utility bill or bank statement)
• Your SSN for credit bureau verification

All your information is kept confidential and secure in compliance with federal privacy laws.

Having collections or charge-offs doesn’t mean you’re stuck — we can still help. These accounts can often be reviewed for accuracy, completeness, and proper verification.
If they contain any errors or can’t be verified by the creditor, we can dispute them with the credit bureaus to have them corrected or removed. Even if they’re valid, we can guide you on the best strategies to reduce their impact over time and rebuild positive credit history.