Frequently Asked Questions

Credit repair is the process of identifying and disputing inaccurate, incomplete, or unverifiable information on your credit reports. We work directly with the three major credit bureaus — Equifax, Experian, and TransUnion — on your behalf, leveraging your rights under the Fair Credit Reporting Act (FCRA) to challenge negative items and help restore your credit profile.

Most clients begin to see measurable improvements within 45 to 90 days. However, the timeline depends on the number and severity of negative items on your report. Simple disputes may resolve in as little as 30 days, while more complex cases involving multiple creditors may take 6 to 12 months for full resolution.

Yes, credit repair is completely legal. The Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) give consumers the right to dispute inaccurate information on their credit reports. Frontier Credit Repair operates in full compliance with all federal and state regulations governing credit repair services.

We can dispute a wide range of negative items including late payments, collections, charge-offs, repossessions, bankruptcies, foreclosures, tax liens, judgments, and inquiries. If an item is inaccurate, unverifiable, or incomplete, there is a strong chance it can be successfully challenged and removed from your credit report.

We offer transparent, affordable pricing with no hidden fees. Our services start with a free initial consultation where we review your credit reports and create a personalized action plan. We never charge upfront fees before work is performed, in full compliance with federal law. Contact us for detailed pricing based on your specific needs.

While no legitimate company can guarantee a specific score increase, our track record speaks for itself. The majority of our clients see significant improvements in their credit scores. We provide realistic expectations during your free consultation and work diligently to achieve the best possible results based on your unique situation.

Our team handles the heavy lifting, but we do ask for your cooperation in a few areas. You will need to provide us with copies of your credit reports, respond to any correspondence we send you, and keep us informed of any changes to your financial situation. We guide you through every step and make the process as simple as possible.

After your credit repair journey, we provide ongoing guidance to help you maintain and continue building your credit score. This includes tips on responsible credit usage, recommended credit-building products, and strategies for long-term financial health. We are committed to your success well beyond our initial engagement.