Service Overview

Most dispute services will start by asking you about your credit concerns. Once they have a clear understanding of the reason for your call, they will typically walk you through a risk-free credit summary, including a review of your credit report. They will look for negative items that may be disputable in order to determine whether or not you are a good candidate for the credit dispute services that they offer. Based on your individual credit situation, the agent will recommend a course of action and explain any options available to you. If you accept, the dispute service (also known as a credit dispute company) will begin to dispute items on your behalf with the three major credit bureaus and the creditors responsible for the negative items.

Timeline

The amount of time the process takes from beginning to end will vary based on the credit dispute company you end up working with and the number of items being contested. It is important to understand that credit dispute services are not a magic wand. If your credit is in poor shape, it takes time and effort to improve your overall credit profile. While credit dispute companies can assist with disputing unfair items – legitimate negative items cannot be removed. Over time, the impact of legitimate negative items will be diminished until they eventually fall off your credit report completely

Pricing

The amount that credit dispute companies charge varies, but most will charge somewhere between $69 and $129 per month depending on the service level required. Some may charge a one-time fee to pull your credit report for you. While this price will also vary by service provider, it tends to be in the $14.99 to $29 range. For exact pricing based on your unique situation, you’ll need to speak with a credit consultant by calling 1-877-720-3496