Legend Credit Repair Frequently Asked Questions

Every credit profile is unique, so the time required to achieve results varies depending on the number of negative items on your credit reports, how quickly you provide the necessary documents, and how long the credit bureaus and creditors take to respond. Once we receive your credit reports, we typically complete our audit and prepare your initial dispute letters within 48 hours. Most of the overall timeline is determined by the response time of the credit bureaus and creditors.

Many of our clients have experienced credit score increases of 100 points or more; however, results vary for every individual. Your overall score depends on several factors, including payment history, revolving debt balances, credit utilization, account age, credit mix, inquiries, and the accuracy of the information reported. While we work to remove inaccurate or unverifiable negative items, maintaining positive credit habits is equally important.

In most cases, the three major credit bureaus respond within 30 to 45 days. After receiving your updated credit reports, you'll be able to see which items were removed or updated. Simply send us the updated reports so we can review the results and continue working on any remaining negative items. If a bureau does not respond, we will prepare a new dispute during your next scheduled file review.

Your file is reviewed approximately every 60 days. Based on the updated credit reports and any correspondence you've received from creditors or the credit bureaus, we prepare the next round of dispute letters when appropriate. You'll also receive a progress update showing which accounts have been corrected, removed, or are still under review. You can log into your secure client portal at any time to monitor your account status.

No ethical credit restoration company can guarantee that every negative item will be removed. Only inaccurate, incomplete, outdated, or unverifiable information may be eligible for removal under federal law. Legitimate and properly verified accounts generally remain on your credit report until they naturally expire.

Yes. You should continue making all required payments on your current accounts. Credit restoration does not eliminate your financial obligations, and keeping your existing accounts in good standing is one of the most important factors in improving your credit score.

To begin the credit restoration process, you'll typically need copies of your current credit reports along with any correspondence you've received from the credit bureaus or creditors. Providing these documents promptly helps us begin working on your file as quickly as possible.

Your file is periodically reviewed throughout the credit restoration process. As new information becomes available from the credit bureaus and creditors, additional dispute letters may be prepared and sent to continue challenging inaccurate or unverifiable information on your credit reports.

Credit restoration may help address inaccurate, incomplete, outdated, or unverifiable collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, and other negative reporting. Every account is individually reviewed to determine the appropriate dispute strategy.

We take a personalized approach to every client's credit situation by carefully reviewing your credit reports, preparing customized disputes, keeping you informed throughout the process, and providing ongoing support as we work toward improving the accuracy of your credit profile. Every case is unique, and we're committed to helping you achieve the best possible results.