Question 1

What is credit repair?

Accepted Answer

Credit repair generally refers to the process of reviewing credit report information and challenging entries that may be inaccurate, incomplete, outdated, or unverifiable with consumer reporting agencies and data furnishers.

Question 2

Can accurate negative information be removed?

Accepted Answer

Accurate, current, and verifiable negative information generally cannot lawfully be removed simply because it is unfavorable. No credit repair company can legally guarantee deletion of accurate information.

Question 3

Can I dispute items myself?

Accepted Answer

Yes. You have the right to dispute inaccurate information in your credit report yourself at no cost, and you may contact consumer reporting agencies directly. Dispute Hero provides professional assistance for consumers who prefer guidance, organization, and support.

Question 4

How long does credit repair take?

Accepted Answer

Timelines vary by individual, by the information appearing on the reports, and by the response times of consumer reporting agencies and furnishers. Dispute Hero cannot guarantee specific timing or results.

Question 5

Can you guarantee my score will increase?

Accepted Answer

No. Dispute Hero does not guarantee deletions, credit score increases, or approval for credit, loans, apartments, or other financial products. Individual results vary.

Question 6

When am I charged?

Accepted Answer

Payment timing is governed by your service agreement and applicable law. Dispute Hero does not charge for credit repair services before the applicable contracted service has been performed where prohibited by law.

Question 7

Can I cancel my agreement?

Accepted Answer

Yes. Cancellation rights, timing, and any refund handling are described in your service agreement and in the cancellation documentation provided during enrollment, consistent with applicable law.

Question 8

Will I receive copies of my agreements?

Accepted Answer

Yes. Consumers receive copies of applicable agreements, required consumer rights disclosures, and cancellation documentation during enrollment.

Question 9

Do I need a credit report subscription?

Accepted Answer

Current three-bureau credit reports help us review your profile. We use a three-bureau credit report subscription: a separate recurring $24.99/month report subscription charged to your card through Dispute Hero’s merchant account, separate from our credit repair service fees. It is not full credit monitoring.

Question 10

Is my personal information secure?

Accepted Answer

Sensitive information is handled through secure third-party systems and a secure client portal. Please never submit Social Security numbers, government identification, credit reports, or financial account information through this website's contact form.

Question 11

Does Dispute Hero operate in every state?

Accepted Answer

Service availability may vary by state based on applicable licensing, registration, bonding, contract, and other legal requirements. Availability will be confirmed during enrollment.

Question 12

How do I get started?

Accepted Answer

You can enroll directly through the Get Started link, which begins the secure onboarding process. You can also call us on (888) 209-0419 if you would like to talk through each step before deciding.

Question 13

What if I want to look at the process before I decide?

Accepted Answer

That is encouraged. We walk you through the process so you can determine whether our services may be appropriate for you, and you can call us on (888) 209-0419 with questions. There is no obligation to enroll.

Questions, Answered Plainly

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