Frequently Asked Questions
about Credit Repair
Q: What does The Credit Group do?
We help clients understand their credit reports, identify information that may be inaccurate or unverifiable, and navigate lawful dispute options under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). Our approach emphasizes education, empowerment, and compliance.
Q: Can you remove negative items from my credit report?
We can help you dispute information that appears inaccurate, outdated, or unverifiable. We do not remove accurate, properly documented information.
Q: Is credit repair legal?
Yes. Credit repair is legal when performed in compliance with federal and state laws, including CROA and FCRA. The Credit Group Inc. operates transparently and with a compliance-focused process.
Q: How long does it take to see results?
Timelines vary by person and by bureau response times. Some clients see changes within a few months, while others may take longer depending on their credit history and the nature of the items being reviewed.
Q: Do you guarantee specific outcomes?
No. Credit repair companies cannot guarantee specific results. We provide education, guidance, and lawful support designed to help you improve your credit over time.
Q: Will using your services hurt my credit score?
Working with a compliant, education-focused credit repair company does not inherently lower your credit score. Many clients see improvement as they learn and apply better credit-management habits.
Q: What do I need to get started?
You need a willingness to learn and take action. We guide you through obtaining your credit reports, reviewing them together, and building a personalized improvement plan.
Q: Are your services available everywhere?
We serve clients nationwide, except in the state of Georgia. Services are provided through online consultations, credit education, and lawful dispute support.
Q: What makes The Credit Group different?
We prioritize honesty, compliance, and client empowerment. Our services are designed to help you understand your credit, protect your rights, and build long-term financial confidence.