Frequently Asked Questions
Frequently Asked Questions
True Disputes is a Florida-based company that’s been in business for over 10 years. (Note: You can easily update the state and years in business to match your exact history!)
Each of our program costs and tier options are explained in detail on our Programs page.
Sure! It is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. True Disputes is simply here if you need help from professionals who work with the credit bureaus and navigate these laws every single day.
It is your right to ensure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, you have the right to request that questionable information be removed. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the bureaus and your individual creditors.
You will be given a secure online account portal where you can watch your progress 24/7. This portal includes a Timeline, Progress Reports, and a detailed Credit Analysis component.
No. That is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly and are well-prepared to handle a heavy flow of challenges. When we attack an item on your credit, we expect a response. All of our challenges are custom, factual arguments.
YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report by missing current payments, you will be working against us.
Paying your bills on time every month will actively build your credit history. If you have revolving or installment accounts, consistent on-time payments are one of the best ways to improve your score over time.
Sure, your credit is your own! You just need to be aware that applying for new credit will add new "hard inquiries" to your credit report, which can temporarily impact your credit score.
It is possible for a negative listing that has been deleted to be verified by a creditor after the deletion is complete. When this happens, the Fair Credit Reporting Act states that the credit bureaus must inform you before re-reporting an item that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.
Yes. If a late payment is inaccurate, unverifiable, or unfairly reported, we can use the FCRA to dispute it with the creditors and bureaus to have it corrected or removed.
A True Disputes specialist can analyze your credit reports and discuss your credit history with you to determine which questionable credit inquiries we may be able to help you challenge and remove.
A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to the default.
Yes. Just like any other negative item, if a repossession or foreclosure contains errors, inconsistencies, or cannot be fully verified by the furnisher, it can be legally disputed and removed from your report.
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