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  • How do I get started?

    You can signup right now and then follow our easy instructions on how to get your credit report. Once we have your reports we will complete our analysis and start the dispute process.

  • What if I can’t afford credit repair?

    Consider credit restoration as an investment. You could save thousands of dollars in the future by making a small effort today.

  • Is credit repair legal? 

    Yes! You have a right to a fair, accurate and substantiated credit profile. Credit repair is simply one of the ways to help you get there!

  • How much do your services cost?

    View our pricing here.

  • Can I fix my credit myself?

    Sure, It's your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. Debt Disputers is here if you need help from professionals who work with the bureaus and these laws every day.

  • Do you just send lots of letters and hope the creditors don't respond in time?

    No. That approach is ineffective. Millions of disputes are sent to credit bureaus and creditors each month. When we target an item on your credit, they are equipped to handle a high volume of challenges, so we anticipate a response. Our objections are all unique arguments.

  • Can I apply for credit while going through Debt Disputers program?

    Yes, your credit is your own, but you should be aware that every new credit application adds a new credit inquiry to your report, which lowers your credit score.

  • How can bad credit be legally repaired?

    It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

  • Do I need to pay my bills?

    Yes! You are responsible for maintaining your credit while we review your history. Further damaging your credit report will work against us.

  • Is it possible for deleted items to reappear on my credit report?

    After the deletion is complete, a creditor may check a deleted negative listing to make sure it really was erased. According to the Fair Credit Reporting Act, the credit bureaus must notify you in this situation before re-reporting an item that was previously erased. Having something taken out and replaced is uncommon, but it is a possibility.

  • Does paying my bills restore my credit?

    Monthly bill payments will help you establish a positive credit history. Paying your bills on time each month, whether they are installment or revolving accounts, will develop your credit history.

  • How long do charge-offs stay on a credit report?

    Your credit report may show a charge-off for up to seven years following the initial late payment that caused default.

  • How long does bankruptcy stay on a credit report?

    Your credit record could contain a bankruptcy for up to ten years, depending on the kind. The credit reporting restrictions for bankruptcy are outlined in the Fair Credit Reporting Act (FCRA).

  • How are judgments collected?

    If you receive a judgment against you, the plaintiff may be able to garnish or attach your wages in order to collect the money.

  • Can repossessions be removed from a credit report?

    There are two possible methods for getting rid of a repossession. You can contest a repossession or try to negotiate an early removal with the creditor.

Are you ready to sign up?

Take action today towards a brighter future.