Credit repair is the process of identifying and correcting errors on your credit report, while also improving your credit through positive financial habits.
No — it improves your chances, but lenders also consider income, debt levels, and other factors.
No — disputing errors won’t hurt your credit; in fact, fixing mistakes can raise your score.
It varies, but improvements may be seen in as little as 30–90 days, depending on your situation and the issues being addressed.
Costs vary; pricing will be according to the amount of work required and other factors.
Yes — credit repair is legal under the Credit Repair Organizations Act (CROA), but companies must follow strict rules.