Credit Repair Services: Dispute Errors & Rebuild Your Score
Last updated: July 31, 2026
Key takeaway
Key takeaway: credit repair means disputing inaccurate, outdated, or unverifiable items on your Equifax, Experian, and TransUnion reports — a right guaranteed by the Fair Credit Reporting Act (FCRA). US Lending matches you with licensed credit-repair specialists; no one can legally remove accurate negative information, and most people see movement within one to three months.
The Process, Step by Step
Under federal law, you're entitled to challenge anything on your credit file that's wrong, outdated, or can't be verified. Once you're matched, a specialist takes that dispute to Equifax, Experian, and TransUnion directly, pushing for corrections or removal. Clients typically start noticing movement on their report within one to three months.
- Your right: the FCRA lets you dispute inaccurate or unverifiable items yourself for free.
- Bureaus covered: Equifax, Experian, and TransUnion.
- Typical cost: specialists commonly charge about $79–$129/month with no long contracts.
- Timeline: many clients see movement in one to three months.
- The limit: accurate, verifiable negative items generally stay until they age off.
What Can Actually Be Disputed
Late payments, collections, charge-offs, repos, bankruptcies, and even some hard inquiries are all fair game if they're inaccurate, stale, or unverifiable. Entries that are accurate and current usually stay put — but a specialist can still help you layer on positive activity to lift your score over time.
How much does credit repair cost, and what can it not do?
Short answer — specialists typically charge around $79 to $129 a month, and no legitimate service can remove accurate, verifiable negative information — only items that are wrong, outdated, or unverifiable can be disputed off. You can dispute errors yourself for free under the FCRA; a service just handles the paperwork and follow-up. See whether credit repair is legit before you pay for it.
Frequently Asked Questions
Am I allowed to dispute my own credit report?
Absolutely — the Fair Credit Reporting Act guarantees every consumer that right. A credit repair specialist just handles the paperwork and follow-up on your behalf. See our full breakdown of what credit repair law actually allows.
How soon do changes show up on my report?
Some accounts see movement in the first billing cycle or two, while a fuller cleanup typically plays out over three to six months depending on how much is on the file.
What's the typical monthly cost?
Most providers we match with charge somewhere in the $79–$129/month range, with no long-term lock-in, and your first conversation is always free.
Could a removed item show back up later?
It's possible if a creditor later re-verifies the item as accurate. Specialists track this and refile disputes to keep confirmed errors off your report.
Can collections and late payments be removed from my credit report?
Only items that are inaccurate, unverifiable, or outdated can be disputed off your report — accurate negative items generally stay until they age off. A specialist reviews your report line by line to find which entries are actually challengeable.
How many points can credit repair raise my score?
There's no guaranteed number — it depends entirely on what's wrong with your report. Removing a major inaccurate item like a wrongly reported collection can move a score meaningfully, while minor corrections move it less.
Is US Lending legit, or is this a scam?
US Lending isn't a credit repair company — we match your information against a network of licensed specialists and never charge upfront fees. See our full breakdown of exactly what happens when you apply.
Sources: Consumer Financial Protection Bureau — Disputing Credit Report Errors · Federal Trade Commission — Credit Repair