Credit Repair Dudes — Frequently Asked Questions

We offer simple monthly plans with no contracts. You only pay while you’re getting value. Full pricing is listed on our Programs page.

You’ll get a secure online dashboard showing every dispute sent, every response received, score changes, and updated reports when they arrive.

Absolutely. The law gives you that right. Most people hire us because the process is confusing, slow, and time-consuming. We do it daily — fast, legally, and correctly.

No. Every dispute is custom-built based on what’s inaccurate, outdated, or unverifiable. We never use mass-produced letters — that’s why our results stick.

Yes, but keep in mind new inquiries can temporarily impact your score. We’ll guide you on when it’s safe to apply.

Yes. The FCRA, FDCPA, and FCBA give you the right to dispute inaccurate, incomplete, outdated, or unverifiable information. We simply help enforce those rights.

Yes. Staying current is critical. New late payments, missed bills, or high utilization will slow down your results.

Rarely. If a creditor later verifies something they previously couldn’t, the bureaus must notify you before putting it back.

Most clients see changes in the first 30–60 days. Full timelines vary depending on the number of items, the bureaus, and creditors.

Every report is different. We’ve seen jumps from 20 points to over 200. Our job is to get you the maximum improvement possible.

Yes — couples always get a reduced rate because fixing credit together creates faster approvals and better results.

Yes. You’ll see all three bureaus and starting scores in your client portal once onboarding is complete.

Only your assigned credit specialist. Your information is encrypted and protected at all times.

We challenge any negative item that is inaccurate, outdated, incomplete, unverifiable, or reported illegally — including lates, collections, charge-offs, repos, foreclosures, bankruptcies, and more.

Paying debt helps long-term, but negative history stays. That’s why disputing and correcting inaccurate reporting is so important.

If an inquiry wasn’t authorized or can’t be verified, we challenge it. They’re low-impact, so we focus on bigger items first.

Yes — no contracts, no penalties, no stress. You’re in control.

We identify inaccurate items → prepare targeted disputes → send challenges → bureaus have up to 45 days to respond → updates appear in your dashboard.

You’ll receive a welcome call, portal login, credit review, and your first round of disputes sent out typically within 3–5 business days.

Click “Get Started,” complete onboarding, and we’ll begin analyzing your reports immediately.