Honestly, we can't say. There' is no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have seen an average increase of 40 points in just 4 months*, and have typically stayed with us for 6 months
*YOUR RESULTS WILL VARY AND ARE NOT GUARANTEED
Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.
No. Even after a questionable negative item is removed from your credit, the actual debt is still owed (assuming it was valid to begin with). If you don't pay the debt, the creditor or collection agency may re-report the listing. Removing a negative item without addressing the debt is only a temporary solution. In fact, if you feel a negative credit listing is 100% accurate, timely and verifiable, we recommend you don't dispute.