Frequently Asked Questions
📜Is Credit Repair legal?
Yes — credit repair is 100% legal. We operate under the Fair Credit Reporting Act (FCRA), which gives you the right to dispute inaccurate, outdated, or unverifiable items on your credit report. If the information can’t be verified within a reasonable time (usually 30 days), it must be removed.
Many reports contain errors — 79% of credit files have at least one inaccuracy. Even when an account is accurate, creditors often fail to respond properly under the law. Our job is to challenge that process, legally and aggressively.
Many reports contain errors — 79% of credit files have at least one inaccuracy. Even when an account is accurate, creditors often fail to respond properly under the law. Our job is to challenge that process, legally and aggressively.
💳How does Billing work?
We keep it simple & Compliant:
✅ Bronze Plan – $495
Ideal for clients with average debt preparing to make large purchases or build their credit profile.
✅ Silver Plan – $695
Ideal for clients with higher debt preparing for major purchases such as a home or auto loan.
✅ Rapid Repair Plan – $1,000
Fast-track program for clients needing results in 30 days or less.
Important: To work with us, you must maintain active credit monitoring with MyScoreIQ ($1 for a 7 day trial, $34.99 thereafter) This is required to access your reports and track real-time progress.
✅ Bronze Plan – $495
Ideal for clients with average debt preparing to make large purchases or build their credit profile.
- One-Time Payment: $495 + $25 administrative fee, due before work begins.
✅ Silver Plan – $695
Ideal for clients with higher debt preparing for major purchases such as a home or auto loan.
- One-Time Payment: $695 + $25 administrative fee, due before work begins.
✅ Rapid Repair Plan – $1,000
Fast-track program for clients needing results in 30 days or less.
- One-Time Payment: $1,000 + $25 administrative fee, due before work begins.
Important: To work with us, you must maintain active credit monitoring with MyScoreIQ ($1 for a 7 day trial, $34.99 thereafter) This is required to access your reports and track real-time progress.
💡Is Credit Repair and restoration worth it?
Yes — especially if your score is below 720.
We do more than dispute items. We educate you, guide you, and help you leverage your credit profile to reach long-term goals like homeownership, business funding, or auto financing. The law is on your side — we just help you use it strategically.
We do more than dispute items. We educate you, guide you, and help you leverage your credit profile to reach long-term goals like homeownership, business funding, or auto financing. The law is on your side — we just help you use it strategically.
🧭 What happens after i enroll?
Once enrolled:
You’ll also receive guidance on steps you can take to support your credit restoration outside of disputes.
- You’ll activate credit monitoring with MyScore IQ
- We'll securely verify your identity
- Your reports will be reviewed and scored
- A personalized strategy will be created
- Dispute prep begins and your portal is activated
You’ll also receive guidance on steps you can take to support your credit restoration outside of disputes.
🤔How long will it take to raise my score?
While timelines vary by profile, our data shows:
The Rapid Repair is a fast-track dispute strategy focused on identity theft-based removals. Many clients see score increases within 14 business days, depending on how fast the bureaus process results.
While this can deliver a strong initial boost by removing harmful, unauthorized accounts, it’s just one piece of the puzzle. You’ll still need to rebuild your credit profile with the right mix of accounts, payment history, and credit utilization to reach long-term goals like home or car approval. We’ll guide you on exactly how to do that after cleanup.
- 93% of clients see a 10+ point increase in 35 days
- 80-point average increase over 6 months
- 52% of clients see a 50+ point boost in 90 days
The Rapid Repair is a fast-track dispute strategy focused on identity theft-based removals. Many clients see score increases within 14 business days, depending on how fast the bureaus process results.
While this can deliver a strong initial boost by removing harmful, unauthorized accounts, it’s just one piece of the puzzle. You’ll still need to rebuild your credit profile with the right mix of accounts, payment history, and credit utilization to reach long-term goals like home or car approval. We’ll guide you on exactly how to do that after cleanup.
🔁Can removed items come back?
In most cases, no. Once a negative item is deleted, it typically stays gone — especially if it’s outdated, paid, or resolved at the time of deletion. Rare exceptions may occur if new account activity triggers re-reporting.
🧨What can you help remove and improve?
Our clients have had success removing or improving:
- Late payments
- Collections & charge-offs
- Medical bills
- Repossessions
- Inquiries
- Bankruptcies
- Judgments
- Student loans
- Foreclosures
- Tax liens
- Outdated addresses
- Credit card debt errors
📊Why are your results different?
We combine strategy, compliance, and real advocacy.
We don’t spam bureaus with templates. We target legally weak points in their documentation process. On average, 70% of negative items are removed for our clients, and we work until your file is as clean — and strong — as possible.
We don’t spam bureaus with templates. We target legally weak points in their documentation process. On average, 70% of negative items are removed for our clients, and we work until your file is as clean — and strong — as possible.
🔐Do you offer a guarantee?
Yes. We offer a 100% money-back guarantee if, after 12 months, we haven’t removed at least 25% of the negative items you enrolled with — provided you’ve followed the process and not added new negative accounts.
These people had amazing results
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“ND Consultant made credit repair simple and stress-free. Excellent support and real results—I couldn’t be happier!”
Callum R. |
“Thanks to ND Consultant, my credit score improved in just a few months. Great service, fast results, and a team that really cares!”
Dave I. |
“ND Consultant made credit repair simple and stress-free. Excellent support and real results—I couldn’t be happier!”
Gloria G. |
