How Credit Repair Works

Learn how FCRA-based credit repair works: how disputes are investigated, what bureaus must verify, and typical resolution timelines.

Review facts before disputing

Compare the information on each bureau's report with your records. Disputes should identify inaccurate, incomplete, or unverifiable information rather than seek removal of accurate information.

Investigation and follow-up

Under the FCRA, consumer reporting agencies generally have 30 days to investigate a dispute; some circumstances allow additional time. Keep evidence, correspondence, and delivery records.

No guaranteed outcomes

Corrections depend on the facts and the investigation. No specific deletion, score increase, or result timeline is guaranteed.