Most Frequent Questions
We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.
The time your credit repair process takes will depend on your personal situation. The more disputes you have, the longer it will take to resolve them all.
Once a bureau receives a dispute, it is required by law to investigate the matter within 30 days, unless the dispute is deemed frivolous. If the dispute is valid, the bureau will remove or update the item(s) so your report is accurate. This same process must be repeated with each bureau whose credit report shows the same mistake(s).
Expect credit repair to last at least six weeks, but it could take much longer depending on your particular case(s).
While it is possible to achieve results and increase your scores within 45 days (we’ve done that), the fundamental/proper process of repairing and rebuilding your credit takes time (min 6 to 9 months).
It took you months and often years to damage your credit, so if you’re looking for a quick fix – it will NOT be lasting or sustainable. And in general, if anyone ever promises you to fix your credit quickly or guarantees you results – RUN!!! You’ll likely be scammed as it unfortunately happens. We’ve heard enough of such “horror” stories from our clients. So, please, BE PATIENT and don’t expect guarantees. It’s illegal for any credit repair business to promise you results.
There are a few different ways we can do this. You can sign up for something like CreditHeroScore which is a service that gives you access to all of your credit reports. You give the login information to us and we take it from there. Another option is for you to mail us hard copies of your report. You can also upload them to an online portal and send them to us that way.
Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score.
Most people find a period of at least three months is necessary while some stay in for up to six to nine months to effectively increase their score.
We focus on a 35-day dispute cycle, which is at least 10 days faster than many other credit repair companies.
By increasing your credit score with the removal of inaccurate information, you will have a better chance of being approved for a home loan.
Yes, when necessary we will dispute inaccurate information with collectors and creditors.
We can challenge as many as you want at a single time, the choice is yours.
Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process.
As you may know, there are 3 credit scores. It has to do with the fact that there are 3 independent credit bureaus (TransUnion, Experian, Equifax) and they each give you a score.
Each credit bureau is as important as the others. And therefore, each credit score is EQUALLY IMPORTANT. For example, if you’re looking to buy a house and apply for a mortgage, your loan officer will pull all 3 of your scores. They will drop the lowest and the highest and use your MIDDLE score for underwriting purposes (example: imagine that your 3 scores are 680, 610, 720 – the loan officer will use your 610 for underwriting). Whichever bureau’s score happens to be the middle one will be used. So, it’s important to make sure that all three of your scores are in good shape.
This may vary from credit profile to credit profile. However, we do have a list of preferred partners that offer accounts that aid in the boosting of your account.


Yes. True Credit Repair knows from experience – due to our one on one personal approach, our clients experience tremendous results. The ranges of success are as endless and unique as our clients. We partner with our clients, giving them every advantage they can have in the credit world. Achieving results requires that we work in partnership. Your results will reflect that partnership.
We work together as a part of a team to get you the results that you desire. Deletions alone will not improve your credit score. Our main focus is a healthy report, a healthy report will lead to a healthy score. In addition to the work my team completes for you, you assist us by:
1. Not applying for any new credit anywhere
2. Pay all bills that report to your credit report on time every time
3. Not maxing out your credit card during the repair process regardless of if you pay in full every month
4. Email or upload to your portal all documentation from bureaus and creditors to us within 5 days of receipt
5. Do not make any promises to collection agencies or creditors over the phone
6. Pay down your credit card balances to as low as possible. Keep your credit card balance lower than 10% (start with the card that has the smallest balance)
As a True Credit Repair client, you have 24/7/365 portal access that will keep you updated on what we are doing for you. It shows you exactly what accounts have been disputed, removed, or verified as well as your progress with your score among other things and we do monthly consultations to keep you updated.
Of course you can. We are not here to add stress to your life, or your budget. You may pause, resume, and even select your own billing date with the click of a button from your portal, or with a phone call to us.
Yes, our customers can always cancel our service at any time. We pride ourselves on our transparency and never lock you into anything. You can Contact us us for more information about canceling.
Yes! We have a big couples discount! Second Member Only $40/Month!
You do not have to be married to get the couples discount. As long as you live together and pay together we invite you to sign up as a couple and take advantage of our couples discount.
Yes, of-course you can contact us using any of the following methods:
Phone: 888-407-7747
- Support Email: support@truecredit.repair
- Report Email: report@truecredit.repair
- Our Contact form on the website and we will get back to you.
- or you can schedule a Video Conference Call
We enjoy sharing our expertise and look forward to seeing how we can help you get a healthy credit score.
It all starts with a credit assessment, which you can get by visiting our “Let’s get Started” page or calling us toll-free at 888-407-7747. We’re different from our competition in that every one of our clients receives individual attention from True Credit Repair. We formulate a customized plan of action based on your specific needs. No two clients are alike!
Our professional credit repair specialists will help you with the disputes on your credit report and provide educational tools so you can make a plan to increase your credit score. We understand that money can prevent people from fixing their credit, and that’s why we have programs that will suit every budget. Log In to the Customer Portal to get started.


Improve Your Credit Score
Don't let a low credit score hold you back any longer. With our years of experience and a proven track record of success, we know exactly what it takes to improve your credit score and get you back on track.
Customers choose True Credit Repair because of our commitment to delivering quick and effective results, our professional and experienced team, and our 90-day satisfaction guarantee.
Credit scoring is based on many factors that may include: Amount of available credit Payment history Recent requests for credit Amount of credit currently being used Length of credit history Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.
A variety of entities can request and view your credit report. These include:
- Banks
- Student loan providers
- Utility companies
- Insurance companies
- Landlords
- Employers
- Collection agencies
- Government agencies
- Any entity with a court order
While there is no official definition for credit repair, in general, it is the process of addressing errors and negative items, such as charge-offs, late payments, and collections, on your credit reports.
The simplest form of credit repair involves disputing wrong or expired information on your credit report with each of the three credit reporting bureaus — Experian, Equifax, and TransUnion.
More complicated cases, such as those involving identity theft, may require more significant credit repair procedures.
Yes, credit repair is legal under federal law. The Fair Credit Reporting Act (FCRA), Title VI of the Consumer Credit Protection Act, protects consumers from accidental, negligent, or deliberate inclusion of inaccurate, unfair, or unsubstantiated information in credit report data provided by creditors to credit bureaus.
This shields you from damage to your credit which can be caused by factors beyond your control such as typos, outdated data, malicious creditors, or identity theft. If you notice incorrect, unverified, or otherwise disputable information on your credit report, you have a legal right to contest it. You can do this yourself, or credit repair services can assist you with this process.
The effectiveness of credit repair is a bit of an eye-of-the-beholder deal. Insofar as credit repair is a process designed to remove errors and certain negative accounts from your credit report, then it does work — the credit repair process can effectively help remove disputable items.
Successfully removing an item from your credit report can only improve your credit score if the removed item is hurting your credit score in the first place. There is no guarantee that credit repair will impact your credit score at all, as many variables are taken into account when calculating your score.
Either way, you should always remove any errors or outdated information from your credit report as soon as you discover them — regardless of the actual effect this has on your score. A clean credit report can give you peace of mind the next time you apply for a loan; you’ll know that an inaccurate credit score isn’t holding you back from qualifying for a better interest rate, saving you time and money in the long run.
We have successfully removed or repaired for our clients the following derogatory (negative) accounts:
- Collections
- Charge-offs
- Late payments
- Student loans
- Bankruptcies
- Medical bills
- Reposessions
- Indentity fraud
No, credit repair companies cannot guarantee specific results, as the credit bureaus have the final say in what information is included in your credit report. However, reputable credit repair companies like TrueCredit.Repair, can provide guidance and support to improve your credit score.
True Credit Repair can file disputes to remove inaccuracies or outdated information from your credit reports on your behalf.
You should be skeptical of any credit repair service that claims it can wipe your credit profile clean or remove all negative items from your history. This is not only impossible to promise, but, in some cases, it may be illegal.
Legitimate items are supposed to remain on your credit history until they’re old enough for removal. In most cases, that is between seven and ten years after they’re posted. You can read more about it on “Consumer Credit File Rights Under State and Federal Law“.
We can also send debt validation letters to creditors, send cease-and-desist letters to debt collectors on your behalf, and follow up on any disputes that each credit bureau receives.
Just remember that the credit repair process is more about your credit profile than your credit score. A credit repair service can look for inaccuracies or potential flaws in your credit report that it can dispute or petition for removal.
In many cases, this work will result in an improved credit score. No legitimate credit repair company can guarantee any specific credit score improvements, though. Get your instant access to all 3 credit reports and scores – and discover how to improve it to reach your goals.
Credit building is the process of establishing positive active credit reporting accounts (secure and “regular” credit cards, auto loans/leases, mortgages, personal loans, student loans, etc.) and consistent monthly payment history. Your phone bill, utility bill and insurance payments DO NOT count (though there are services like Experian Boost that can report them on your credit reports as well).
The MOST important factor in building SUSTAINABLE credit is BEING ON TIME with your payments. A recent 30-day late payment can throw your scores off by >50 points. The second most important factor is keeping your credit card UTILIZATION LOW (balance as the % of your limit needs to be under 30%). The lower the balance, the higher the scores will be. The third is to have a MINIMUM of 3 active open accounts (Example: 2 credit cards and an Auto loan OR 1 credit card, student loan and an Auto loan). But don’t stop with just 3; it’s better to have 5 or 6. The fourth most important factor for credit building is to build the LENGTH of your credit history. The longer the better. Hence, NEVER EVER EVER voluntarily close your active credit cards (both secure or non-secure) because they don’t expire and can build you years and even decades of positive credit history.
You can absolutely attempt to repair your own credit. Each major credit reporting bureau has an online tool that allows you to file your own disputes.
While the process isn’t difficult, your disputes have a greater chance of success if you are prepared. But a dependable repair service like True Credit Repair can take care of the credit repair process without you needing to take a crash course in credit repair.
If you want to attempt to repair your own credit, start by accessing your annual free credit report. This report will not tell you your credit score, but it will give you the basic information you need to determine if you have anything worth disputing.
When reviewing your credit report, look for accounts older than seven years. Make sure your name is spelled correctly and that your address and other personal details are also accurately spelled and up to date.
Be certain that your payment history, balances, and other pertinent data are also properly reported and that no account is listed more than once.
If you find something that needs removal or modification, you will need to file an online dispute with each credit bureau that lists the item. There’s no way to file an all-encompassing dispute. Instead, you’ll need to prepare separate disputes for TransUnion, Equifax, and Experian.
Your interactions or dealing with a credit repair firm such as True Credit Repair does not show up on your credit profile. Therefore, working with True Credit Repair or any credit counseling service cannot hurt your credit score.
Instead, a credit polish service from True Credit Repair will work to remove items from your credit history that may bring your credit score down. Removal of these items frequently produces an improved credit score.
There are times when True Credit Repair cannot have items removed. This will not lower your credit score, but it could mean that your score will not change at all.
True Credit Repair will provide you with a FREE Consultation before you pay for an account. This consultation will include a review of your credit report where you and a credit expert will look for disputable items and devise a plan to improve your credit score.
If you do not have any items that you can dispute, the consultant you’re working with will let you know you’re not a good candidate for its services. This will keep you from spending money on a service that can’t help you.
Just as with any service, the cost of your credit repair will vary based on how much work it will take to solve your problem and the solution you choose.
A full-service option, may cost more because it takes care of everything for you, while doing it yourself costs less because you’re not paying for professional assistance. Enlisting the services of True Credit Repair is often the easiest way to complete the credit repair process.
Keep in mind that as with most things, you get what you pay for — especially when it’s free.
If you have a large number of disputes, are battling fraud, or have other complications, it could be worth the money to spring for the help of a credit repair professional who knows exactly how to repair your credit. Get a FREE consultation today!
No. You will never need/be asked to pay more for extra services. If you need it, we’ve got you covered.
Our services include a detailed analysis to note the issues that are harming your credit, personalized credit score improvement tips, ongoing dispute letters sent to the credit bureaus – and more!
We Strive to Give You the Best Service
True Credit Repair's comprehensive credit repair services, flexible payment options, and convenient support make it easy for customers to get the help they need, no matter what stage they are in their credit repair journey. Our mission is to hold the credit bureaus, creditors, and other furnishers of information accountable to the laws by removing the inaccurate, unverifiable, and obsolete information that may be holding you back from getting the financing you deserve! By the way- we are great at it!
One thing we have realized over the years, many people put off repairing their credit until it is absolutely necessary or when they feel they have the need for it. The best time to repair your credit is when you do not need your credit so that it is ready for you when you do need it!
What Are You Waiting For?
Let's Get Started With Improving Your Credit Score. Schedule a Consultation Today!
Disclaimer: When negative information in your credit report is accurate only the passage of time can assure it is removed. According to the Federal Trade Commission a credit reporting company can report most accurate negative information for seven years and bankruptcy information for ten years.