Frequently Asked Questions

Credit repair involves identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports. We review your credit reports from all three bureaus (Experian, Equifax, TransUnion), identify problematic items, and submit professional disputes to have them removed or corrected.

The process includes:

• Comprehensive credit report analysis
• Strategic dispute letter preparation
• Direct communication with credit bureaus and creditors
• Ongoing monitoring and follow-up
• Credit building guidance and education

Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate information on their credit reports. The Credit Repair Organizations Act (CROA) regulates how credit repair companies operate.

Christian Credit Restoration operates in full compliance with all federal and state laws, including CROA requirements for transparent pricing, written contracts, and no upfront fees.

We operate on a "pay for results" model with no upfront fees. You only pay when negative items are successfully removed from your credit reports. This aligns our interests with yours - we succeed when you succeed.

Our pricing includes:

• Free initial credit analysis and consultation
• No setup, enrollment, or monthly fees
• Payment only after items are removed
• No hidden costs or surprise charges
• Cancel anytime with no penalties

Credit repair timelines vary based on individual circumstances. Most clients see initial results within 30-60 days, with significant improvements typically occurring over 3-6 months. Complex cases may take 6-12 months for optimal results.

Factors affecting timeline include:

• Number and type of negative items
• Cooperation from creditors and bureaus
• Client participation in the process
• Implementation of credit building strategies

We can dispute any inaccurate, outdated, or unverifiable information, including:

• Late payments reported incorrectly
• Collections accounts that are inaccurate
• Charge-offs with incorrect information
• Bankruptcies beyond statutory reporting periods
• Identity theft related items
• Duplicate accounts
• Accounts not belonging to you

We cannot remove accurate, timely information. Our focus is on ensuring your credit reports are accurate and complete.

Yes, you have the legal right to dispute items on your credit report yourself. However, professional credit repair offers several advantages:

• Expertise in FCRA and CROA regulations
• Knowledge of effective dispute strategies
• Professional relationships with bureaus and creditors
• Time savings - we handle all correspondence
• Higher success rates due to experience
• Ongoing support and credit building guidance

No, legitimate credit repair will not hurt your credit score. Disputing inaccurate information is your legal right and does not negatively impact your credit. In fact, removing negative items typically improves your score.

We also provide guidance on:

• Building positive payment history
• Optimizing credit utilization
• Managing credit inquiries
• Strategic credit building techniques

Since we operate on a pay-for-results model with no upfront fees, traditional payment plans aren't necessary. You only pay after we successfully remove items from your credit reports.

This approach means:

• No financial risk to you upfront
• We're motivated to get results quickly
• You can afford help when you need it most
• Payments are spread out over time as results occur