Frequently Asked Questions

We help clients identify, dispute, and remove inaccurate, outdated, or unverifiable items from their credit reports—legally and effectively. Our goal is to help you rebuild your credit profile and position you for better financial opportunities.

Every case is different, but most clients see results within 30–90 days. Full restoration can take up to 6–9 months depending on the number and type of items disputed.

No—we don’t remove accurate information. However, we work to ensure that everything on your credit report is 100% accurate, fair, and verifiable. If it doesn’t meet those standards, it must be corrected or deleted under the law.

Absolutely. Credit repair is protected by federal law under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). We follow all regulations to ensure your file is handled ethically and legally.

We can help address:

Late payments

Collections

Charge-offs

Bankruptcies

Repossessions

Medical bills

Student loans

Hard inquiries

We communicate directly with Experian, TransUnion, and Equifax on your behalf to dispute and verify questionable items. We track all updates and keep you informed every step of the way through your client portal.

You can start with a free credit consultation. We’ll pull your reports, review them together, and outline a personalized game plan for your repair process.

In most cases—yes. A cleaner, more accurate credit report and improved scores can significantly increase your approval odds and lower interest rates.

You’ll get access to your Signed Sealed Approved Client Portal where you can view dispute statuses, score updates, and progress reports 24/7.

There’s a small chance your score may temporarily drop, depending on what’s removed. For example, when older accounts or certain negative items are deleted, it can slightly change your credit mix or history length. Don’t worry—this is usually short-term. As we continue to clean up your report and rebuild positive credit, your score often stabilizes and improves over time.

We combine personalized service with smart automation and compliance tools. Every dispute is custom-tailored—not mass-produced—and our client support team walks with you from start to finish. We’re not just fixing credit; we’re helping you build lasting financial confidence.

Absolutely! We actually encourage clients to learn how to manage and repair their own credit. You have every right to do it yourself — and we even provide a DIY Credit Repair Resource to help you get started.

If you decide you’d rather have a team handle the process for you, that’s where Signed Sealed Approved comes in. We do the heavy lifting, communicate with the bureaus and creditors on your behalf, and track your progress inside your secure client portal.

No, we do not guarantee specific results — and it’s important to understand why.

Under the Fair Credit Reporting Act (FCRA), credit bureaus are required to verify, update, or delete any item that cannot be proven accurate. During the dispute process, accounts may be modified, updated, or deleted, depending on what the bureaus determine.

Because we do not control how credit bureaus or creditors respond to disputes, results will vary from person to person. What we do guarantee is that your case will be handled ethically, professionally, and in full compliance with all credit laws — giving you the best possible opportunity for improvement.