Frequently Asked
Is credit repair legal?
Yes. Credit repair and credit education services are legal under federal law, including the Fair Credit Reporting Act (FCRA). Consumers have the right to dispute inaccurate, outdated, or unverifiable information on their credit reports.
What does Savvy Smart Credit Repair do?
We provide professional credit dispute assistance and education. This includes reviewing credit reports, identifying potential inaccuracies, and preparing dispute documentation in a compliant manner. We do not provide legal advice or guarantee outcomes.
Can accurate items be removed from a credit report?
Accurate and verifiable information generally remains on a credit report for the time period allowed by law. Only information that is inaccurate, outdated, incomplete, or unverifiable may be eligible for correction or removal.
How long does the credit repair process take?
Timelines vary for every client. While credit reporting agencies typically have up to 30 days to respond to a dispute, no specific timeframe or outcome can be guaranteed.
Do you guarantee results?
No. Credit repair results vary and no specific removals or credit score increases are guaranteed.
Do I need credit monitoring to work with you?
Yes. Active credit monitoring is required so we can track progress and ensure accuracy. Monitoring is paid separately by the client directly to the monitoring provider.
How do I get started?
You can begin with a free credit review to determine whether our services may be a good fit for your situation.
Yes. Credit repair and credit education services are legal under federal law, including the Fair Credit Reporting Act (FCRA). Consumers have the right to dispute inaccurate, outdated, or unverifiable information on their credit reports.
What does Savvy Smart Credit Repair do?
We provide professional credit dispute assistance and education. This includes reviewing credit reports, identifying potential inaccuracies, and preparing dispute documentation in a compliant manner. We do not provide legal advice or guarantee outcomes.
Can accurate items be removed from a credit report?
Accurate and verifiable information generally remains on a credit report for the time period allowed by law. Only information that is inaccurate, outdated, incomplete, or unverifiable may be eligible for correction or removal.
How long does the credit repair process take?
Timelines vary for every client. While credit reporting agencies typically have up to 30 days to respond to a dispute, no specific timeframe or outcome can be guaranteed.
Do you guarantee results?
No. Credit repair results vary and no specific removals or credit score increases are guaranteed.
Do I need credit monitoring to work with you?
Yes. Active credit monitoring is required so we can track progress and ensure accuracy. Monitoring is paid separately by the client directly to the monitoring provider.
How do I get started?
You can begin with a free credit review to determine whether our services may be a good fit for your situation.
