✅ What Credit Repair Is

Credit repair is the legal process of:

• Reviewing your credit reports from Experian, Equifax, and TransUnion

• Disputing inaccurate, outdated, or unverifiable negative information

• Communicating with credit bureaus and creditors on your behalf

• Helping you understand how to build and maintain good credit

All of this is protected under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).

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🚫 What Credit Repair Isn’t

Be careful of companies that promise:

• "Guaranteed" score increases

• Removal of accurate negative information

• Illegal “Credit sweeps” or CPN numbers 

• New credit identities or file separation

• Instant results

⚠️ If it sounds too good to be true, it probably is. Real credit repair is a process, not a magic trick.