FAQs

What is credit repair?

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t prove these items are fair, accurate and substantiated, they are required by law to remove them.

How long does credit repair take?

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, last year alone, our clients saw a substantial amount of negative items removed from their reports, and typically stayed with us for six months.

Also, Restore Freedom offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade. If you’re interested in a product with more credit repair baked in, contact us to discuss what add ons would work best for you.

Can I repair my own credit?

Absolutely. You can contact the credit bureaus and your creditors to get any questionable negative items removed your credit reports. However, this process is time consuming and confusing. Working with a reputable credit repair law firm like Restore Freedom can help you remove these items from your reports quickly and efficiently.

What is a derogatory/negative item?

A negative item on your credit is anything in your credit history that could lower your score. It includes things like collections, late payments, charge-offs, liens, bankruptcies, repossessions and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.

How long do negative items remain on my credit report?

Most negative items will fall off of your report after seven years, though some deletions may take as long as 10. The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. If you’d rather not wait that long, credit repair is a great alternative.

Can deleted items reappear on my credit report?

Yes, even after an item is removed or deleted, your creditors may report the item again. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. If a questionable credit item is verified at a later point in time, Restore Freedom will help you challenge the listing again if there are legitimate grounds to do so.

Should I pay off collections on my credit report?

If the debt is one that you do not owe, our service levels offer debt validation procedures that can help you get the collection removed from your credit profile.