Frequently Asked Questions

Yes, 100%. Everything we do is backed by federal law specifically the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). You have the legal right to dispute any item on your credit report that is inaccurate, outdated, or unverifiable. Dispute Levels operates in full compliance with the Credit Repair Organizations Act (CROA).

Getting started is simple. Book a free 30-minute consultation using the calendar on our website. A credit advisor will pull your reports, review every item with you, and build a custom dispute plan. After that, you choose a plan and we get to work usually within 24 hours.

Just your basic personal information name, address, date of birth, and Social Security Number. We use this to pull your credit reports from all three bureaus. Everything is handled securely and kept 100% confidential.

Very little. Our team handles the heavy lifting. Occasionally we may ask you to provide a document or respond to a bureau request but we'll guide you through it step by step. Most clients spend less than an hour total on their end throughout the entire process.

You can but most people don't know what to look for, which laws apply, how to word dispute letters, or how to escalate when bureaus push back. Our team does this every single day. We get results that a self-dispute typically won't achieve, and we do it faster.

First, we pull and audit all 3 of your credit reports. We identify every negative, inaccurate, or unverifiable item. Then we draft and send custom dispute letters to the credit bureaus and creditors on your behalf. Bureaus have 30–45 days to respond. We track each response, escalate when needed, and repeat the process until items are removed or corrected.

We dispute with all three major credit bureaus Equifax, Experian, and TransUnion as well as directly with creditors and collection agencies when needed.

We dispute and work to remove: collections, late payments, charge-offs, medical debt, repossessions, bankruptcies, hard inquiries, foreclosures, judgments, and identity-related errors. If an item is inaccurate, outdated, or unverifiable we dispute it.

We can only dispute items that are inaccurate, outdated, or in violation of reporting rules. If an item is 100% accurate and verifiable, it cannot be permanently removed. However many items that appear accurate still have reporting errors, wrong dates, or compliance violations that make them disputable. Our audit identifies all of these.

You get access to a personal client dashboard where you can track every dispute in real-time what's been sent, what's been removed, and what's in progress. You also have a dedicated advisor you can contact by phone, email, or chat anytime.

Most clients see their first results within 30 to 60 days. Full credit restoration typically takes 3 to 6 months depending on the number and type of negative items on your report. Clients with heavier negative history may take longer, but we keep working until the job is done.

Most clients see an average score increase of 25 to 40 points within the first 35 days, and 50 to 100+ points by the 90-day mark. Results vary based on your individual credit profile, but we consistently deliver meaningful, measurable improvements.

No legitimate credit repair company can legally guarantee a specific number of points anyone who does is lying to you. What we do guarantee is aggressive, legal dispute work on every removable item and a full refund if we don't remove at least one item within 90 days.

No. The dispute process itself does not lower your credit score. As negative items are removed, your score typically goes up. The only thing that can hurt your score during this time is new negative activity on your end like missed payments or new collections.

We give you a credit maintenance plan tips and strategies to keep your score healthy and growing after we're done. We also advise you on positive credit-building steps like secured cards, credit builder loans, and responsible utilization habits.

We have three plans: Standard Level at $200 setup + $125/mo, Couples Level at $300 setup + $200/mo, and a Six Month Program at a flat $500 one-time payment. There are no hourly fees, no per-item charges, and no hidden costs. See our full pricing page for details.

No. There are no long-term contracts. You can cancel at any time with no penalty. We earn your business every single month through results.

If we don't remove at least one negative item from your credit report within your first 90 days, you receive a full refund of any monthly service fees paid no questions asked, no runaround. We are results-based, not promise-based.

No. In full compliance with the Credit Repair Organizations Act (CROA), we do not charge upfront fees for credit repair services. You only pay after work has been performed on your behalf.

Yes. You can upgrade from Standard to Couples or to the Six Month Program at any time. Just reach out to your advisor and we'll switch you over immediately.

Items that are removed after a successful dispute cannot legally be re-reported by the credit bureau unless the creditor provides new verifiable proof that the item is accurate. In most cases, once it's gone it stays gone. If an item does return, we dispute it again at no extra charge.

We give every client a credit maintenance guide when they complete their program. Key habits include: paying all bills on time, keeping credit card balances below 30% of the limit, not opening too many new accounts at once, and monitoring your credit regularly.

Yes and that's exactly what many of our clients do. Once your score reaches the qualifying threshold, you can apply for a mortgage, auto loan, or any other credit product. We actually have a Mortgage Readiness Program specifically designed to get you to approval-ready scores as fast as possible.

Absolutely. Your advisor provides personalized recommendations on next steps secured credit cards, credit builder loans, authorized user strategies, and more. We want your credit to keep improving long after you've finished your program with us.