Question 1

How does credit repair work?

Accepted Answer

Credit repair involves identifying inaccurate or unverifiable items on your credit report and disputing them with the credit bureaus under your rights in the Fair Credit Reporting Act (FCRA). Bureaus have 30 days to investigate and must remove items they cannot verify.

Question 2

How long does it take to see results?

Accepted Answer

Most clients see initial results within 30-45 days after their first round of dispute letters. The full process typically takes 3-6 months depending on the number and type of negative items on your report.

Question 3

What is included in the subscription?

Accepted Answer

Every subscription includes all 15 features: 3-bureau credit monitoring, $1,000,000 identity protection, FCRA dispute letters sent by certified mail, score simulator, ScoreBoost optimizer, dark web monitoring, SSN monitoring, loan marketplace, credit card matching, personalized education, money manager, and 4-round automatic escalation.

Question 4

Is there a free trial?

Accepted Answer

Yes. Start your first 7 days free. Your dispute letters mail automatically on Day 8. Stay enrolled and we handle everything for $29.95/month. Cancel anytime before Day 7 and you will not be charged.

Question 5

Can Credit Studio Solutions guarantee results?

Accepted Answer

No one can legally guarantee specific credit repair results. Results depend on your individual credit history and how credit bureaus respond to disputes. However, we handle the entire FCRA dispute process on your behalf and escalate automatically through four rounds if bureaus do not respond.