How Credit Repair Works: Overview

Credit repair is the process of disputing items on your credit report that are fraudulent, erroneous, outdated, or unsubstantiated. Several laws protect consumers when it comes to credit which is what allows credit repair to be effective such as The Fair Credit Reporting Act, which promotes maximum possible Accuracy… meaning, “Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.”

With the Fair Credit Reporting Act and other laws, you have the legal right to dispute any information on your report. Then, the credit bureaus and furnishers have 30 days to investigate and either verify it as correct or remove the disputed information.


Credit repair was made possible by the Fair Credit Reporting Act of 1971. This law gave ordinary consumers like you many new rights; one of the most important of which was the right to dispute inaccurate information on your credit report. The law has gone through many updates, amendments, and changes over the last few decades; adding new sections and expanding consumer coverage.

If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate, free of charge, and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.”

There are other facets of the Fair Credit Reporting Act allowing consumers to challenge the validity of their credit reports. Once a consumer like you has challenged or disputed items on the report, it then becomes the creditor’s responsibility to respond to those disputes by validating their accuracy or deleting them from your report. Forget about trusting that it will be done; the law is on your side and the credit bureaus are required to comply This law, the language it contains, and your rights as a consumer to challenge what may be in your credit report are the foundations on which the credit repair process is built.