Credit repair works by reviewing your credit reports from all three major bureaus—Experian, Equifax, and TransUnion—and identifying any errors, outdated accounts, or negative items that may be bringing your score down. Once those items are flagged, we file formal disputes on your behalf to have them verified, corrected, or removed. Throughout the process, we also guide you on smart credit-building strategies like adding positive tradelines, managing balances, and understanding what impacts your score. It’s not an overnight fix—but with consistency and the right moves, we can help you clean up your credit and position you for real financial wins.

Yes, it can! No matter how damaged your credit may seem—collections, charge-offs, late payments, repossessions, even bankruptcies—credit repair can still help. While we can’t erase accurate negative information overnight, we can challenge items that are unverifiable, outdated, or reported incorrectly. Plus, we’ll work with you to build a strong foundation by adding positive credit activity and creating a personalized plan to move forward. The truth is, no credit situation is too far gone—and with the right guidance, you can bounce back and rebuild your financial future.