What is credit repair?

Credit repair is the process of reviewing your credit reports and challenging inaccurate, outdated, incomplete, or unverifiable information with the credit bureaus and creditors—using your rights under federal law.

Is credit repair legal?

Yes. Credit repair is protected under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Consumers have the legal right to dispute inaccurate information on their credit reports.

Can you remove negative items from my credit report?

We do not remove accurate, verifiable, and current information.
We do dispute items that are inaccurate, unverifiable, improperly reported, duplicated, or outdated. If an item cannot be verified, it must be removed by law.

How long does the credit repair process take?

Every credit file is different.
Most clients see changes within 30–90 days, but full results typically take 3–6 months, depending on:

• Number of negative items

• Responsiveness of creditors

• Complexity of your credit profile

There are no overnight fixes—anyone promising that is lying.

Will this raise my credit score?

Credit repair focuses on cleaning your credit reports, not directly “boosting” scores.
As inaccurate negatives are removed and utilization improves, scores typically increase naturally.

Do I need credit repair, or can I do this myself?

You can dispute items yourself—just like you can represent yourself in court.
Most people hire us because:

• The process is time-consuming

• Disputes must be strategic and compliant

• One wrong move can reset timelines or strengthen a creditor’s case

We do this professionally, consistently, and correctly.

What credit bureaus do you work with?

We work with all three major bureaus:

• Experian

• Equifax

• TransUnion

What items can be disputed?

Common dispute items include:

• Late payments

• Charge-offs

• Collections

• Repossessions

• Incorrect balances

• Duplicate accounts

• Outdated negative accounts

• Identity errors

Each account is evaluated individually—there is no “one-size-fits-all” approach.

Will disputing hurt my credit?

No. Disputing inaccurate information does not lower your score.
Temporary score fluctuations can occur, but long-term impact is typically positive when errors are corrected.

Do you contact creditors for me?

Yes. We handle disputes with:

• Credit bureaus

• Collection agencies

• Original creditors
  All communication is documented and compliant with federal law.

Do I need to stop paying my bills?

Absolutely not.
Credit repair works best when combined with on-time payments, low utilization, and responsible credit behavior. We may provide guidance, but you remain in control of your finances.

What do you need from me to get started?

To begin, we require:

• Valid ID

• Proof of address

• Credit reports (or authorization to obtain them)

• Signed service agreement

Once submitted, we take it from there.

Are results guaranteed?

No ethical credit repair company guarantees results.
What we do guarantee is:

• Legal, compliant disputes

• Transparency

• Consistent action

• Honest communication

How is On Point Consulting different?

We don’t sell false hope.
We focus on education, accuracy, compliance, and long-term credit health, not gimmicks or shortcuts.

Do you offer consultations?

Yes. We offer a free 30-minute consultation to review your credit situation and determine if our services are a good fit.

Is credit repair worth it?

If you’re serious about:

• Qualifying for funding

• Lower interest rates

• Home ownership

• Financial stability

Then yes—clean credit is foundational.