Frequently Asked Questions

Credit repair works by identifying and disputing inaccurate, misleading, or unverifiable information on your credit reports with the three major bureaus: Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act (FCRA), you have the legal right to challenge any item on your report. When we submit a dispute, the bureau has 30 days to investigate. If they cannot verify the item, they must remove it. Our team of certified analysts reviews every line of your reports to find every disputable item, then drafts and submits legally compliant challenge letters on your behalf.

Most clients see their first results within 30 to 45 days, which is the time it takes for the first round of disputes to be investigated and resolved. Meaningful score improvement, typically 40 to 100 points, usually takes three to six months depending on the number and severity of negative items on your reports. Some clients with fewer issues see significant improvement in as little as 60 days, while clients with complex cases may need six to twelve months of active work. We provide monthly progress reports so you always know exactly where you stand.

Yes, credit repair is 100 percent legal. The Fair Credit Reporting Act gives every American the right to dispute inaccurate information on their credit reports. The Credit Repair Organizations Act (CROA) specifically recognizes credit repair companies and regulates how they operate. CreditPro is fully licensed, bonded, and compliant with all federal and state regulations governing credit repair organizations. We never make false claims, fabricate disputes, or use any illegal methods.

Our Essential plan at $79 per month includes disputes with all three bureaus, up to 5 items per round, and monthly score updates. Our Professional plan at $119 per month adds unlimited disputes, tradeline building, debt validation letters, cease and desist services, and real-time monitoring. Our Premium plan at $149 per month includes everything in Professional plus identity protection, a dedicated credit analyst, and priority phone support. All plans include our 60-day satisfaction guarantee and can be cancelled anytime.

No legitimate credit repair company can guarantee specific score increases or promise that certain items will be removed. Anyone who makes such guarantees is violating federal law under the Credit Repair Organizations Act. What we can tell you is that our average client sees 40 to 100 points of improvement within six months, and we have successfully removed over 200,000 negative items from client credit reports since 2009. During your free consultation, our analysts will review your specific reports and give you an honest assessment of what is realistically achievable.

Our tradeline building program reports your monthly CreditPro subscription payment to all three credit bureaus as an installment account. Each on-time payment adds a positive data point to your credit file, building genuine payment history that strengthens your credit profile. This is different from purchasing authorized user tradelines from third parties, which we do not offer or recommend. Our program creates authentic payment history that belongs to you and will never raise red flags with lenders.

Yes, and here is why. Different creditors report to different bureaus, and not all information appears on all three reports. A collection that shows on your Experian report might not appear on Equifax or TransUnion. Additionally, different lenders pull from different bureaus when making credit decisions. Mortgage lenders typically use a tri-merge report that pulls all three. Auto dealers may only pull one. To ensure comprehensive protection, we dispute inaccurate items across all three bureaus simultaneously.

No. Filing a dispute does not negatively affect your credit score. When an item is under dispute, it is temporarily flagged but remains on your report. If the dispute is successful and the item is removed or corrected, you will typically see a score improvement within the next scoring cycle. If the dispute is not successful and the item remains unchanged, your score stays the same. There is no penalty for exercising your legal right to dispute inaccurate information.

You absolutely can, and the FCRA guarantees your right to dispute items directly with the bureaus at no cost. However, most consumers who attempt DIY credit repair get frustrated by the process. The bureaus use automated systems that frequently reject disputes with form letters, creditors are not always responsive, and knowing which items to dispute and how to phrase the dispute for maximum effectiveness requires expertise. Our clients hire us for the same reason people hire accountants for taxes: it is technically possible to do it yourself, but a professional will typically get better results in less time.

After you sign up, you will receive immediate access to your client portal. Within 24 hours, one of our credit analysts will pull your three-bureau credit report and begin a detailed review. Within 48 hours, you will receive your personalized credit analysis with a list of every disputable item, your recommended strategy, and a realistic timeline for improvement. Your first round of dispute letters is typically sent within 3 to 5 business days of enrollment. You will receive updates in your portal as responses come back from the bureaus.

Protecting your personal information is our highest priority. We use bank-level 256-bit SSL encryption for all data transmission, store sensitive data in SOC 2 compliant data centers, and never share your information with third parties for marketing purposes. Our employees undergo background checks and are bound by strict confidentiality agreements. We collect only the information necessary to perform our services, and you can request deletion of your data at any time after your account is closed.

Yes. All plans include a 60-day satisfaction guarantee. If you are not satisfied with our services within the first 60 days of enrollment, we will refund your subscription fees in full with no questions asked. After the 60-day guarantee period, you can cancel at any time, and your cancellation takes effect at the end of your current billing cycle. There are no cancellation fees, early termination penalties, or hidden charges of any kind.