Credit Repair FAQ
Straight answers to common credit questions
Honest, plain-language answers about credit reports, disputes, credit building, and what credit repair can and cannot do — for Texas consumers and everyone else.
These answers are general educational information, not individualized legal, tax, or financial advice. Your rights under the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and Texas Finance Code Chapter 393 apply to your specific situation. If you're unsure how something applies to you, consider speaking with a qualified professional.
Credit repair basics
Credit repair basics
Credit reports and credit scores
Credit reports and credit scores
Disputing inaccurate information
Disputing inaccurate information
Late payments and inquiries
Late payments and inquiries
Credit building
Credit building
Texas consumers
Texas consumers
Pricing and service expectations
Pricing and service expectations
Privacy and consultations
Privacy and consultations
Still have questions?
If you don't see your question here, a consultation is the best way to get a clear, personalized answer — with no pressure and no guarantees, just honest guidance.
Related resources
Learn more about the topics covered above.