Frequently asked questions

Credit repair is the process of reviewing your credit reports for information that appears inaccurate, incomplete, outdated or unverifiable, and then formally raising those items with the credit bureaus and the companies that reported them. Accurate negative information cannot be removed, and no company can lawfully promise otherwise.

You start with a short assessment. A specialist reviews your credit reports and any documentation you upload, then prepares a written summary and a prioritised plan. Once you agree to the plan, appropriate items are raised with the bureaus and furnishers, and every step and response is tracked in your client portal.

We review reports from all three nationwide consumer reporting agencies — Experian, Equifax and TransUnion — because the same account is often reported differently at each one.

No, and you should be cautious of any company that says it can. Accurate, timely and verifiable information stays on your report. What we can do is identify entries that appear inaccurate or unverifiable, document them properly, and raise them through the process the law provides. Outcomes depend on what the bureaus and furnishers find.

Credit bureaus generally have 30 days to investigate a dispute, and 45 days in certain circumstances. Most clients work with us over several months because items are addressed in sequence and some require follow-up. Your portal shows exactly where each item stands.

Your basic contact details to start, then proof of identity and address, and copies of your credit reports. Supporting documents — statements, insurer explanations of benefits, payment records — strengthen specific items and your specialist will tell you which ones matter for your file.

No. You can complete the assessment without one. You are entitled to free reports from each bureau through AnnualCreditReport.com, and your specialist will walk you through obtaining them if you don't have recent copies.

Yes. We help you catalogue accounts, inquiries and addresses you don't recognise, guide you through filing an FTC Identity Theft Report, support fraud alert or security freeze placement, and prepare the documentation bureaus require for identity-theft blocks.

Yes. You may cancel at any time, and you will not be charged for a service period that has not begun. Our cancellation and refund terms are set out in full on the Terms of Service page and in the service agreement you receive before any work starts.

Use the contact form on this site, email support@creditxora.com, or message us on WhatsApp or Telegram. Existing clients can also message their specialist directly from the client portal, which keeps the whole conversation attached to their file.