Yes. Credit repair is legal in all 50 states. There’s a federal law that guarantees consumers the right to dispute information in their credit report to have it corrected. There’s also a federal law that outlines how credit repair companies can provide services to consumers.

As every credit situation is different, there is no way of knowing exactly how long the process will take.  The average customer is with us from  3-6 months.

Your credit report is a snapshot of your payment history for all credit transactions that you have from age 18 until now. It details when you applied for credit, how many positive and negative accounts you have, who viewed your credit report, and all your personal information. 

This Forbes article explains the breakdown of the differences between both scoring systems very well.