Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports to improve your credit score. It can also involve building better financial habits to maintain a healthy credit profile.

It depends on your specific situation. Some disputes can be resolved in 60–90 days, but improving your overall credit can take several months. With our guidance and a clear plan, you can stay on track and often see progress faster than trying to figure it out alone.

If your credit report has mistakes or bad marks that shouldn’t be there, fixing them can help your score go up. But if you don’t have any good accounts (like credit cards or loans that you pay on time) showing on your report, your score might not go up much even if the bad stuff is removed. You need some good accounts to help your score grow.

Yes! Having a good credit score is very important because it shows lenders that you’re responsible with money. A higher score can help you:
get approved for credit cards, car loans, or a mortgage, pay lower interest rates (which saves you money), get better deals on things like apartments or even some jobs. In short, a good score can make life easier and cheaper.

A tradeline is just a fancy word for an account on your credit report. For example: a credit card, a car loan, a personal loan. Each of these is a tradeline, and they show how you borrow and pay back money. Good tradelines (like accounts you pay on time) help your score, while bad ones (like late payments) can hurt it.