Is there such a thing as a legitimate credit repair organization?
A. Yes and No. Congress created the Credit Repair Organizations Act (CROA), which regulates how such companies must comply with the law. The problem is that the consumer has no idea what the credentials of the principals of these firms are. The other issue is that these organizations charge ridiculous money for a service that you can do yourself simply by enrolling on our site. Q. How long will it take? Most time the process takes up to 12 months based on the amount of issues you’re disputing on your report, and how “diligent” you are about preparing and sending the disputes in a timely manner. Statistically on average you should achieve, 3 deletions by the third month, 7 deletions by the sixth month, and 10 deletions by the end of the first year.