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Some negative items are easier to repair than others, so it will depend on the condition of your credit report. We generally advise our clients to expect 2-6 months and for up to one year for more complex issues that require multiple dispute efforts. It should be said that some of the negative items on a credit report will remain until they are removed at the end of the 7 year waiting period.

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If you have a history of good credit but have negative items on your credit report, repairing those items will positively impact your credit within 30 to 90 days. For those with limited history and negative items, it will require successfully repairing the items hurting your score and then obtaining additional credit to increase your score over time. For most people, credit scores vary from month to month. When you begin the credit repair process, your scores can take a dramatic leap forward. But we’ve also had clients see their credit scores decrease for the first months of the dispute process. Our experience shows that consistency is the key and that’s why we recommend being patient for at least 6 months.

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Absolutely. Most credit repair agencies and do-it-yourselfers have come to believe that “debt validation” should be an important dispute priority. Credit Elevate’s Smart Dispute System does not rely much on this outdated strategy. The artificial intelligence written into our Smart Dispute System takes a much more reliable path of disputing actual data from your 3 bureau credit report instead of more legalistic dispute strategies such as debt validation.

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If you’ve already disputed an account online without success, join the crowd. A majority of credit report disputes are completed online with few positive results. If you’ve tried to repair your credit online with the three credit bureaus, you’ve probably found CreditElevate.com because you’re looking for a credit repair process that’s more effective. CreditElevate.com was built and is managed by people who have experienced your frustration with the credit repair process and whether you’re just starting or have been attempting to repair your credit for a long time, we invite you to sign up now.

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In general terms, no. Deleting collections or charge-off accounts is almost always a positive move for your credit score. Deleting an account you’ve recently closed, but that has been on your credit report for several years can negatively impact your score. It’s important to keep in mind that removing negative items from your credit report will almost always improve your score. When it doesn’t, it will allow you to work on improving your credit much more quickly.

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The credit bureaus take this claim seriously and the law requires them to act quickly. Unfortunately, false claims of identity theft are common in the hopes of removing legitimate accounts from credit reports. Please include a police report with your identity theft letter so the credit bureaus take immediate action.