For detailed information about our plans and pricing, please visit our pricing page. We offer affordable options for individuals and couples, with some of the most competitive rates in the industry. Remember, the cost of ignoring your credit issues could end up being much higher than taking steps to fix them!

Absolutely! Just like you could attempt a root canal on your own, you can also work on fixing your credit. However, some tasks are best handled by professionals. It's your right and responsibility to monitor and protect your credit, and there are laws, such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, that can guide you in disputing incorrect information on your credit report. If you prefer expert assistance, True Wealth Credit Repair is here to help, with professionals who work directly with the bureaus and are well-versed in these laws every day!

Simply hoping for mistakes isn't an effective strategy. Credit bureaus and creditors handle numerous disputes every month and are well-prepared for a high volume of challenges. When we dispute an item on your behalf, we expect a response. Our process involves creating tailored, well-researched arguments for each dispute, which is why we are consistently recognized as a top credit repair agency by financial experts and industry leaders.

We don't rely solely on disputes! While traditional dispute methods are outdated and less effective, we take a more advanced approach to credit repair. Instead of using generic dispute templates like many other companies, we challenge the reportability of accounts by ensuring they meet METRO2 compliance standards. This strategy is highly effective, addressing both accounts with incorrect information and those that, while accurate, fail to meet the necessary compliance standards.

If applying for credit is included in your customized credit building plan, then it’s fine to proceed. If not, we advise against applying for credit while in the program.

Laws such as the FCRA (Fair Credit Reporting Act) and FDCPA (Fair Debt Collection Practices Act) grant you the right to ensure that the information on your credit reports is accurate. If any information does not properly reflect your actions as a consumer, you have the legal right to dispute and request the removal of any inaccuracies. These laws empower you to challenge incorrect items on your credit report with both the credit bureaus and your creditors.

True Wealth Credit Repair helps clients by identifying and addressing issues such as inaccuracies, outdated entries, misleading information, and unverifiable negative items on credit reports. We also challenge the compliance of accounts with METRO2 standards, ensuring they meet the necessary reporting requirements. This approach is effective not only for accounts with incorrect data but also for those that, while accurate, do not meet METRO2 compliance. Our successful methods have earned True Wealth Credit Repair recognition as a leading credit repair company.

Yes, it is essential. While we work on improving your credit history, it’s your responsibility to stay on top of your current bills. Adding new negative items to your credit report will hinder the progress we’re making together.

In rare instances, a negative item that has been deleted may be re-verified by a creditor after the deletion process is complete. If this happens, the Fair Credit Reporting Act requires the credit bureaus to notify you before re-adding the item to your credit report. While it is uncommon for a deleted item to reappear, it is still a possibility.

Paying your bills on time, whether they are revolving or installment accounts, helps establish a positive credit history. Additionally, we will recommend resources to further support your credit-building efforts.

A charge-off can stay on your credit report for up to seven years from the date of the first missed payment that led to default. Learn more about the steps to remove charge-offs from your credit report.

The length of time a bankruptcy stays on your credit report depends on the type, with some lasting up to 10 years. The Fair Credit Reporting Act (FCRA) sets guidelines on how long bankruptcies can be reported.

True Wealth Credit Repair can help you identify which items should and shouldn’t be on your credit report, and provide strategies to potentially have inaccurately reported late payments removed.

There are two main ways to remove a repossession from your credit report: disputing its accuracy or negotiating with the creditor for early removal. Learn more about how to effectively remove repossessions from your credit report.

You can request that a debt collector or creditor remove a collection entry, which is often referred to as a goodwill request or pay-for-delete. However, it’s important to get any agreement in writing. Keep in mind, there is no law requiring that paying off a debt automatically removes it from your credit report.

A True Wealth Credit Repair expert can review your credit reports and discuss your credit history to identify which hard inquiries we may be able to help remove.