How a Dispute Actually Moves Through the System
Federal law already gives you the right to challenge anything on your credit file that's wrong, stale, or can't be verified — a specialist just takes that dispute to Equifax, Experian, and TransUnion and pushes it through on your behalf. Most people connected through CashAdvantage start seeing changes within one to three months.
What's Fair Game to Dispute
Late payments, collections, charge-offs, repossessions, bankruptcies, and even certain hard inquiries can all be challenged if they're inaccurate, outdated, or unverifiable. Items that check out as accurate and current typically stay — but a specialist can still help you build fresh positive history to lift your score over time.
Frequently Asked Questions
Am I even allowed to dispute items on my own report?
Yes, that right is guaranteed under the Fair Credit Reporting Act for every consumer. A specialist just manages the process and paperwork on your behalf.
How quickly could my score start moving?
Early movement can appear within a month or two, though a thorough cleanup across a complicated file usually takes three to six months to fully play out.
What should I expect to pay per month?
Most providers in our network land in the $79-$129/month range with no lock-in contract, and the initial consultation costs nothing.
Can a deleted item reappear on my report?
It can, if a creditor later re-verifies the entry as accurate. Good specialists monitor for this and refile disputes to keep the item off your file. If a debt you already paid is still showing as unpaid, see our step-by-step fix for that specific error.
How many points could my score realistically improve?
There's no guaranteed number — it depends on what's inaccurate on your report. Clearing a wrongly reported collection can move a score meaningfully; small corrections move it less. See our full breakdown of FICO factor weights for why.
Can collections and charge-offs be removed?
Only entries that are inaccurate, unverifiable, or past their reporting window can be disputed off. A specialist reviews your report line by line to find which items actually qualify.
Which negative items should I actually worry about most?
Not all negative marks cost the same number of points — bankruptcies and collections tend to hurt the most, while high utilization is the fastest to recover from once addressed. See our full ranking of negative items by score impact.
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