Credit Repair FAQs — Your Questions Answered Honestly

Credit repair is the process of identifying and disputing inaccurate, incomplete, or unverifiable negative items on your credit report. Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any information on your report that you believe is incorrect.

At CreditGM, we review your reports from all three bureaus (Experian, TransUnion, Equifax), identify every item that can be challenged, and submit legally crafted dispute letters on your behalf. If the bureaus can't verify the information within 30 days, they must remove it.

Yes — you have the legal right to dispute items on your credit report directly with the bureaus at no cost. Services like AnnualCreditReport.com give you free access to your reports.

However, the process is time-consuming, requires knowledge of credit law, and bureaus often respond differently to individual consumers than to professional advocates. Most clients who try DIY credit repair either give up or miss items a trained specialist would catch. We provide professional advocacy that dramatically improves your results and saves you time.

Getting started is easy and completely free:

• Fill out our free credit analysis form or call (480) 442-6689
• A specialist will review your situation and pull your reports
• We'll build a customized plan and recommend the right program
• You choose your plan and we get to work — typically within 24–48 hours

Absolutely. Credit repair is a federally legal service governed by the Credit Repair Organizations Act (CROA). You have the right under FCRA to dispute inaccurate information, and you have the right to hire a professional company to help you do so.

CreditGM operates in full compliance with all applicable federal law. We never use illegal tactics like creating new credit identities, using CPNs, or adding fake tradelines.

Most clients begin seeing removals within 30–60 days. The full process typically takes 3–6 months depending on the number of negative items, the complexity of your file, and how responsive the bureaus and creditors are.

We'll keep working until your file is as clean as it can be.

We dispute a wide range of negative items, including:

• Late payments
• Collections and charge-offs
• Medical debt
• Repossessions
• Bankruptcies (in some cases)
• Foreclosures
• Hard inquiries
• Identity theft and fraud accounts

Results vary by case. Items that are accurate and verifiable may not be removable, but we'll be upfront about what's realistic for your file.

If an item is removed because it was inaccurate or unverifiable, it generally stays off. However, if a creditor later provides verification, they can re-report it — and they're required to notify you if they do. This is rare, but possible.

Accurate items can also reappear if the creditor provides proof. This is why we also focus on building positive credit habits alongside dispute work.

No — we can pull your reports for you during the onboarding process. We use a soft pull that does not affect your credit score. If you already have recent reports, you're welcome to share them to speed up the process.

Our monthly plans start at $79/month (Starter), with Standard at $129/month and Premium at $149/month. Specialty plans include Pay Per Deletion ($75 per deletion per bureau) and Mortgage Ready ($199/month).

The free consultation and initial credit analysis are always 100% free with no obligation to sign up. Note: official credit reports with scores carry a small one-time fee from the reporting service, separate from CreditGM's fees.

No long-term contracts. You may cancel at any time. Per CROA requirements, you also have a 3-day right to cancel after signing your service agreement — no questions asked.

No. Your monthly plan is billed at your plan's regular rate ($79, $129, or $149) at the start of each billing cycle, with no extra first-month charge. Per CROA requirements, you have a 3-day right to cancel after signing — no questions asked.

No reputable credit repair company can legally guarantee a specific score increase — and any company that does should be a red flag. Score outcomes depend on many factors including which items are removed, your current utilization, payment history, and how the bureaus calculate your file.

What we can guarantee: we'll work aggressively and ethically to remove every inaccurate, unverifiable, or outdated item we can find. Most clients see significant improvements — often 50–150 points over 3–6 months.

The dispute process itself does not hurt your score. Pulling your report through us uses a soft inquiry which has no impact. As negative items are removed, you should see your score trend upward — not downward.

All clients get access to our 24/7 client portal where you can see your current score, active disputes, items removed, and upcoming actions. You'll also receive monthly Credit Wins updates (text and/or email) keeping you informed every step of the way.